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Gema Patricia
Gema started selling clothing 7 years ago because a friend was doing it and told her that she made good money. In addition, in the company where she works they give prizes when you met your sales goals, which seemed interesting so she decided to start this business. She works alone, going out to different parts of the city taking her products and catalogs. She sells perfume, clothing, lotion, and unisex clothing which she sells individually.

Gema tells us that the neighborhoods are dangerous but when she collects payment her husband accompanies her. Her spouse, Jacinto, sells beans and vegetables all over Portoviejo. They have a two-year-old son who goes to daycare.

This loan will be used to buy sand, cement and bricks to improve their home so their son has a better place to live.
View original language description ↓
Gema comenzó la venta de ropa hace 7 años por una amiga quien se dedicaba a esto y le dijo que dejaba buenas ganancias. Adicional a eso en la compañía que trabaja le daban premios cuando llegaba a la meta de ventas, le pareció interesante y decidió empezar este negocio. Lo realiza sola recorriendo diversos sectores de la ciudad llevando consigo los productos y los catálogos. Tiene a la venta perfumes, ropa, crema, ropa unisex los cuales vende por unidad. Gema nos comenta que los sectores son peligrosos pero cuando realiza la cobranza va acompañada de su esposo. Su esposo Jacinto se dedica a la venta de legumbres y hortalizas recorriendo todo Portoviejo. Tienen un hijo de 2 años de edad quien se queda en el maternal. El crédito que está solicitando Gema es para comprar arena, cemento y ladrillo que lo empleara en mejorar su vivienda para darle un mejor hogar a su hijo.

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 Housing Loans

Many poor families cannot afford housing that meets their needs. When you make a housing loan on Kiva, you give people access to flexible capital to obtain or improve their homes. Better housing means better health, sanitation, and even educational outcomes for children. A house can also be much more for entrepreneurs who run businesses out of their homes. In this way, housing and small business loans on Kiva share a common purpose: to alleviate poverty and enable families to enjoy more stable lives.

About Ecuador

  • $10,600
    Average annual income
  • 39
    View loans »
    Ecuador Loans Fundraising
  • $26,685,275
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,575 helped Gema Patricia to buy sand, cement and bricks.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
May 8, 2012
Jun 8, 2012
Currency Exchange Loss:
May 17, 2013