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Johanna Del Rocio
Johanna is 30 years old, and is single and lives in Guayaquil with her parents. She started her own business nine years ago, and started in the main markets where she buys clothing and then resells it in the neighborhoods around her home to people she knows. She works on her clothing business on the weekends, since she has another job during the week at a store that owns and operates public telephone booths. These jobs help her generate income to help with expenses and her finances.

She does not have difficulties with her jobs, but she has had some health challenges, and those challenges mean that she cannot get out as much to negotiate for good clothing merchandise. This loan will help her to improve her inventory so that she can offer a better variety and higher quality product to her clients.

Her dream is to have her own business and to a physical space of her own for the business. She hopes that space will work for both her clothing sales and to offer telephone booth services, since she knows how to operate and manage them.
View original language description ↓

Johanna , tiene 30 años es soltera y actualmente vive en Guayaquil con sus padres,
Su negocio lo inicio hace 9 años , comenzó en la bahía donde compro ropa y la vendió en los mercados cercanos a su barrio y a personas conocidas le ofreció sus ropas variadas, su trabajo lo desempeña los fines de semanas en horas de la mañana hasta el medio día , ya que de lunes a viernes tiene un trabajo fijo en unas cabinas telefónicas con eso se ayuda en su economía.
No tiene dificultades en su trabajo, solo enfermarse ya que esto conllevaría a que no pueda salir a negociar su mercadería , con el préstamo va a mejorar su inventario para poder ofrecer mejor calidad de ropa y mayor variedad .
Su sueño es poder tener un negocio propio en cual pueda vender y ropa y utilizarlo como cabinas telefónicas ya que sabe el manejo.

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
  • 52
    View loans »
    Ecuador Loans Fundraising
  • $26,742,700
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,250 helped Johanna Del Rocio to buy her own space for her business.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Apr 4, 2012
May 11, 2012
Currency Exchange Loss:
May 17, 2013