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Dilia Felicita
Dilia is the owner of a stationery shop in Las Orquídeas. She comments that she had a grocery store before, with which she began her life as a businesswoman, but not having much experience she encountered various problems, one of which was extending a lot of credit to her customers. She thinks she didn't handle it well and so it went badly. Also the competition increased and so her sales went down, so she decided to close the shop and with the money she opened a stationery store. She has had the business for nine years and it's going better for her because there is no competition in her area. Added to all this, her son opened an Internet shop next door and so the two businesses complement one another.

She opens the stationery store every day Monday to Saturday. Her husband helps her staff the shop since he drives a truck and when he doesn't have a load he has free time. With the loan she is seeking she plans to purchase merchandise such as notebooks, papers, colored art paper, pens, construction paper and erasers among other items. With the loan she is seeking she hopes to finish the second story of her home in order to rent it out and so bring in extra income.
View original language description ↓
Dilia es la dueña en las Orquídeas de una papelería, comenta que antes tenía una tienda de abarrotes con la cual empezó su vida comercial pero al no tener mucha experiencia fue presentando varios inconvenientes, uno de ellos fue dar muchos crédito a sus clientes, piensa que no lo manejo de bien por lo que le fue mal, también se incremento la competencia por lo que sus ventas bajaron así que decidió liquidar la tienda y con el dinero abrió una papelería. Tiene ya 9 años con el negocio y le va mejor porque en su sector no tiene competencia, a todo esto le ayuda que su hijo a lado abrió un cyber así complementan ambos negocios. La papelería la abre todos los días de lunes a sábado en la atención le ayuda su esposo ya que el realiza fletes en un camión y cuando no tiene carga tiene tiempo libre. Con el crédito que está solicitando piensa comprar mercadería como cuadernos, hojas, láminas, plumas, cartulina, goma etc. Espera en los proximos años seguir creciendo en su negocio para terminar el segundo piso de su vivienda para alquilar departamentos y así tener ingresos extras.

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
  • $25,587,575
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,225 helped Dilia Felicita to purchase notebooks, paper, pens, printed art paper, construction paper and erasers.
100% repaid
Repayment Term
17 months (Additional Information)
Repayment Schedule
Jun 13, 2012
Aug 1, 2012
Currency Exchange Loss:
Nov 22, 2013