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Clemencia Del Rocio
Clemencia is 36 years old and is married to Luis. She lives in Libertad where she has a grocery and general store. She has had the store for 8 years which she opened with her own capital. She tells us that she had the courage to do it because in those days there were not many stores in her neighborhood. Currently she is not the only one and the competition is tough. Clemencia tells us that she works from 7:00AM in the morning until 10:00PM in the evening, and her customers favor her store because she closes so late. We note that at the moment a difficulty for her is transport as the neighborhood where she gets her supplies is far away. Her husband, Luis, is a taxicab driver and industrial mechanic. He has 2 jobs which are going very well. Her 3 children are students and attend the school called Fiscal de Libertad. She will use the loan to buy rice, sugar, and sweets hoping to improve her sales. Her future goal is improve the quality of life of her family.
View original language description ↓
Clemencia tiene 36 años y está casada con Luis. Vive en Libertad en donde tiene una tienda de víveres y abarrotes. Desde hace 8 años tiene la tienda la cual empezó con un capital propio. Ella nos cuenta que se animo porque en esos tiempos no había muchos comercios por su barrio. En la actualidad ya no es la única y la competencia es dura. Clemencia nos comenta que trabaja desde las 7 de la mañana hasta las 10 de la noche, el cerrar tarde es un factor a favor y el porqué los clientes la prefieren. Nos cuenta que al momento la dificultad que se le presenta es el transporte ya que el pueblo donde se abastece queda lejos. Su esposo Luis es chofer de taxis y mecánico industrial, tiene dos trabajos en los cuales le va muy bien. Sus 3 hijos aun estudian por lo que asisten a la escuela Fiscal de Libertad. Espera con el préstamo comprar arroz, azúcar, confitería esperando con esto tener mayor venta. Su meta futura es mejorar la calidad de vida de 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
  • 71
    View loans »
    Ecuador Loans Fundraising
  • $25,584,275
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD
A loan of $1,275 helped Clemencia Del Rocio to buy rice, sugar, and sweets.
Repayment Term
15 months (Additional Information)
Repayment Schedule
Apr 24, 2012
Jun 3, 2012
Currency Exchange Loss:
Jul 3, 2012