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Cristina Elizabeth
Cristina, 23 years old, lives on Trinitaria Island, a southern urban area of Guayaquil. The house she lives in is made of cement and has all the basic services such as water, light, a sewer system, and a paved road.

She works in customer service in the school's cafe, which is owned by her mother. Cristina started when the cafe was given to her to manage within the institution. Since she wanted to move forward, she went to college and earned a teaching degree so she could teach classes. Now she is an instructor and small businesswoman at the school. She works there from 7 in the morning until 3 in the afternoon. The products she sells at the cafe are jello for $.25, cookies for $.30, and potato chips for $.35. She works there alone because the school only has 180 students, so it is not beneficial to have an assistant because it would affect her profits at such a small cafe. The loan she is requesting will be used to buy a toaster, a blender, a small refrigerator, and merchandise so she can sell a variety of products. In the future, she is going to invest in a place where she will sell beauty products, since she also works in selling these products.
View original language description ↓
Cristina de 23 años vive en Isla Trinitaria sector sur urbano de Guayaquil. La casa donde vive es de cemento y tiene todos los servicios básicos como agua, luz, alcantarillado y camino pavimentado. Ella trabaja en la atención al público en el bar de la escuela que es propiedad de su mamá, empezó cuando le dieron el local para que lo administrara dentro de la institución. Como tenía ganas de salir adelante fue a la universidad y obtuvo el título de profesora para poder dar clases. Ahora es profesora y microempresaria en la escuela en la que esta desde las 7 de la mañana hasta las 3 de la tarde. Los productos que vende en su bar son gelatinas a $ 0.25 ctv galletas a $ 0.30 ctv papitas a $ 0.35 ctv. Atiende sola porque la escuela solo cuenta con 180 niños y tener una ayudante no le conviene para sus ganancias y porque el local es pequeño. El préstamo que solicita es para comprar una tostadora, licuadora, nevera pequeña y mercadería con esto podría vender variedad de productos. En el futuro va a colocar un local en el cual venderá productos de belleza ya que también se dedica a este tipo de productos.

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
  • 73
    View loans »
    Ecuador Loans Fundraising
  • $25,580,800
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,600 helped Cristina Elizabeth to buy a toaster, a blender, a small refrigerator, and merchandise.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Jun 18, 2012
Aug 4, 2012
Currency Exchange Loss:
Feb 25, 2014