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Rosa Jacqueline
Rosa is 30 years old and lives in Quevedo with her family. Her business is selling vegetables. She tells us that she set up her own business because she likes to be independent and make her own income. She became motivated when she was very young as she watched her sister develop her own business and saw how well she did. Rosa decided to follow in her sister's footsteps and learn. Now Rosa carries out her business together with her husband. They work shifts, starting work at 3.00am on 'delivery days' and at 6.00am on other days. Rosa explains that 'delivery days' are the days when produce arrives, every other day. This is when she makes most sales, owing to the increase in customers. Rosa is married to Victor and they have a good, stable relationship. They help each other work together towards their main goal which is to provide their children with a better life. They have three children: Cristhian and Anahi, who attend a state school, and Josue who they care for. Rosa will use her loan to buy strawberries, tamarillos, apples, pears and other fruit so that she can increase her sales. She tells us that her dream is to have two large businesses so that she and her family can make progress.
View original language description ↓
Rosa tiene 30 años y vive en Quevedo con su familia. Se dedica a la venta de legumbres. Nos comenta que el negocio lo puso porque le gusta ser independiente y tener sus propios ingresos. Se animo desde muy joven cuando veía el desenvolvimiento de su hermana en el negocio y lo bien que le iba. Deicidio seguir sus pasos y aprender ahora lo realiza de con su esposo en horarios rotativos desde las 3 de la mañana en días de carga y desde las 6 am en días normales. Rosa nos explica que llaman días de carga cuando llegan los productos que normalmente es pasando un día, es aquí donde hay más ventas por el aumento de compradores. Está casada con Victor con el que mantiene una relación favorable y estable ayudándose mutuamente con el objetivo principal de brindar una mejor forma de vida para sus hijos. Tienen 3 hijos, Cristhian y Anahi que asisten a la escuela fiscal y Josue que está a su cuidado. Con el préstamo comprara frutilla, tomate de árbol. Manzana, pera, papas, frutas para aumentar sus ventas. Rosa nos cuenta que su sueño es tener dos negocios grandes para poder progresar con su familia.

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
  • 61
    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 $1,075 helped Rosa Jacqueline to buy strawberries, tamarillos, apples and pears.
100% repaid
Repayment Term
15 months (Additional Information)
Repayment Schedule
Apr 23, 2012
Jun 3, 2012
Currency Exchange Loss:
Aug 19, 2013