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Kiara Lissette
Kiara lives in Milagros. She is 20 years old and has been living independently for three years. She is currently single and does not have any children. Her business is her sole source of income. Kiara started working with micro loans at the age of 17, selling products at her high school. She enjoyed her work and her business was quite popular. At school, she made her sales through an aunt who was her representative with the company [who provided her products] because she was a minor. When she went to University, she gathered together some capital and signed up as an independent vendor. Kiara mentions that, in this type of business, there are no official hours. She visits her customers when they call her on the phone and arrange a visit. She travels on buses, carrying the products that she sells in a suitcase. She also carries up-to-date magazines in case her customers make orders with her. As she has to travel about with her products, Kiara's major problem is crime as she could lose her merchandise. What she sells most of are perfumes, creams jewelry and makeup. She is requesting this loan to buy a display case and some products so that she has a good stock.
View original language description ↓
Kiara vive en Milagros a sus 20 años de manera independiente hace 3 años. de momento se encuentra soltera y sin hijos ya que se dedica a su negocio por ser la única fuente de dinero. Empezó en el microcrédito a los 17 años vendiendo productos en el colegio, le gustaba mucho y tenía bastante acogida. En el colegio lo hacía por medio de una tía quien era su representante ante la empresa porque era menor de edad, ya en la universidad reunió un capital y se inscribió de manera independiente. Kiara menciona que en este tipo de negocio no hay horario de entrada y salida visita a sus clientes previa cita cuando la llaman por teléfono. Se traslada por medio de buses llevando los productos en una maleta para ofrecerlo, también lleva revistas actualizadas por si le solicitan pedidos. Como se traslada con productos su mayor inconveniente es la delincuencia ya que perdería su mercadería. Lo que más vende son perfumes, cremas, joyas, maquillaje etc., el crédito que está solicitando lo utilizara en la compra de una vitrina y productos para tener de inventario.

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
  • 60
    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 $650 helped Kiara Lissette to buy perfumes, creams, jewelry and makeup.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
May 16, 2012
Jul 3, 2012
Currency Exchange Loss:
Apr 18, 2013