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Erika Hilda
Erika is 30 and lives in Playas, though she was born in Guayaquil. She has two daughters, one of whom is in school. For 9 years, she has lived with them in her own home, which is thatched but at least she doesn't have to pay rent.

She has been selling sheets, comforters, and towels door-to-door in her neighborhood for 4 years. Since she has a bachelor's degree in business she says that what she learned has served her well, as she is now selling in other parts of the city. She works from 9 am until 5 pm Monday through Friday. She doesn't face any challenges at the moment, but she would like to have another means of transport so that she would not have to walk so much. The loan will be used to buy merchandise to sell. Her goal is to make improvements to her house as she increases her income.
View original language description ↓
Erika tiene 30 años vive en Playas pero nació en Guayaquil. Tiene 2 hijas, solo una estudia en la escuela. Hace 9 años vive con ellas en su casa propia, es de caña pero nos cuenta que al menos se libra de pagar un alquiler. Hace 4 años empezó vendiendo sabanas, toallas y edredones recorriendo el barrio. Como es bachiller en administración dice que le a servido lo aprendido ya que ahora vende en varios sectores de la cuidad. Labora desde las 9 am hasta las 5 pm de lunes a viernes. Dificultades no tiene por el momento pero si le gustaría tener una forma de movilizarse para no caminar tanto. El crédito lo va a emplear comprando la mercadería que vende. Su meta futura es mejorar su vivienda con un local asi mejorar sus ingresos.

Additional Information

About Banco D-MIRO

Banco D-MIRO is a microfinance institution that serves the most vulnerable sectors of Ecuador’s economy. It offers very small loan sizes without requiring collateral, expanding access to borrowers who would not otherwise be able to access capital to start and grow their own businesses. It also specifically targets borrowers who are excluded from formal financial systems due to race, ethnicity, gender, disability or illness.

About Ecuador

  • $10,600
    Average annual income
  • 73
    View loans »
    Ecuador Loans Fundraising
  • $25,580,800
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD
A loan of $1,050 helped Erika Hilda to buy sheets, comforters, and towels.
Repayment Term
14 months (Additional Information)
Repayment Schedule
Apr 4, 2012
May 11, 2012
Currency Exchange Loss:
Jun 10, 2012