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Maria Rosa
María, 50, lives in El Guasmo with her family. Her husband is a professional driver and they have four children who are all adults.

María has a small store at home where she mainly sells water, colas and juice. She started it three years ago aiming to help her husband with household expenses. Her husband gave her the capital she used to buy colas. She did well since she offered a variety in all presentations. Gradually she increased inventory buying more products.

Because her husband goes on runs she tends to the store and since it’s located in the front part she opens every day from Monday through Sunday. If she closes her customers call her and she sells from the window; what’s important is to provide the service in order to retain her customers.

This is María’s second loan and she will use it to buy colas, juice, snacks and sweets to increase sales because her shelves are empty. Since she already has experience with loans she’ll be punctual with her payments because in future she’d like to purchase another car to provide taxi services.
View original language description ↓
Maria tiene 50 años vive en el Guasmo con su familia. Su esposo es chofer profesional juntos tienen 4 hijos todos mayores de edad. En su casa Maria tiene una pequeña tienda donde vende principalmente agua, colas, jugos hace 3 años lo inicio con el afán de ayudar a su esposo con los gastos del hogar. Su esposo fue quien le dio el capital con el cual compro solo colas, le fue bien ya que ofreció variedad vendiendo en todas las presentaciones, poco a poco fue aumentando el inventario comprando más productos. Como su esposo realiza carreras el negocio lo atiende ella y como está ubicado en la parte frontal abre todos los días de lunes a domingo. En el caso de cerrar sus clientes llaman y vende por la ventana, lo importante es dar el servicio para mantener a sus clientes. Este es el segundo crédito de Maria y la empleara en la compra de colas, jugos, snacks y golosinas para incrementar sus ventas ya que sus perchas están vacías. Como ya tiene experiencia en créditos será puntual en los pagos porque en el futuro le gustaría comprar otro carro para dar servicio de taxi.

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 $650 helped Maria Rosa to buy stock merchandise for her store.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
May 21, 2012
Jul 4, 2012
Currency Exchange Loss:
Jun 18, 2013