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Maria Cristina
Maria, 23, lives in Isla Trinitaria in her parents' home. She married very young and already has a three-year-old boy whom she takes care of. He does not yet attend school. Her husband has a barbershop, in which she assists him. After she got married, she began to enjoy the business and has been working with the aim of meeting her daily expenses. She has always been an enterprising woman, and she now sells beauty products.

Her biggest selling items are perfumes, whether they are from Ecuador or other countries. She obtains the foreign perfumes through a friend who has an export business. She works all day without rest from 7 in the morning until 9 at night, making her rounds promoting her products or collecting payment from her customers.

Maria reports that this season has been more difficult since the rains have damaged the streets where she sells her products. The loan she is seeking is to renovate her husband's barbershop to make space for her to sell her own products there. The funds will be used to buy glass, cement, sand and stones for the construction. Her dream for the future is to be able to buy her own home where she can live comfortably.
View original language description ↓
Maria de 23 años vive en Isla Trinitaria en la casa de sus padres. Se caso muy joven ya que tiene un niño de 3 años de edad a quien cuida ya que no asiste a la escuela, su esposo tiene una peluquería la cual atiende. Antes de casarse a ella le gustaba mucho el comercio y ya trabajaba con el fin de tener dinero para sus gastos, siempre ha sido emprendedora por lo que continua con la venta de productos de belleza. Lo que más vende son perfumes, ya sean nacionales o extranjeros, los extranjeros los consigue por medio de un amigo que exporta y al venderlos obtiene más ganancias. Trabaja todos los días sin descanso desde las 7 de la mañana hasta las 9 de la noche haciendo sus recorridos promocionando o cobrando a sus clientes. Maria indica que esta temporada es más difícil ya que las lluvias dañan los caminos que recorre. El préstamo que está solicitando Maria es para arreglar el negocio de su esposa y poder abrir un local ahí, comprara vitrinas, cemento, arena y piedra para la adecuación. Su sueño a futuro es comprar una casa propia para vivir con comodidad.

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
  • 69
    View loans »
    Ecuador Loans Fundraising
  • $26,542,600
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,075 helped Maria Cristina to buy construction materials for her business.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
May 15, 2012
Jul 3, 2012
Currency Exchange Loss:
Aug 20, 2013