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Luz Balvina
Luz lives in Milagros, a city known for its fruit groves. She is 50 years old, divorced and has four children. Three years ago she began selling groceries in an effort to earn an income; and, through her effort and dedication she has been able to gradually increase business. Nowadays she sells bazaar items, pharmaceutical products and groceries in general. She opens Monday through Sunday, from 7:00 a.m. to 8:00 p.m., since her children are adults and live independently.

She spends most of her time in her store since she feels productive and does not have to depend on anyone else. It also keeps her active, which is good at her age. The loan she is requesting will be used to buy a display case, hangers and merchandise to improve the store's image.
View original language description ↓
Luz vive en Milagros ciudad conocida por sus frutales, tiene 50 años de edad es separada y tiene 4 hijos. Ella empezó hace tres años a vender víveres por la necesidad de encontrar una manera de tener ingresos, con esfuerzo y dedicación aumento paulatinamente, hoy en día en su local ofrece artículos de bazar, productos farmacéuticos y víveres en general. Abre su negocio de lunes a domingo desde las 7 de la mañana hasta las 8 de la noche esto es porque sus hijos son mayores de edad y viven independiente. En su negocio pasa la mayor parte del tiempo ya que le gusta sentirse útil dejando de depender de otros, además la mantiene activo lo que es provechoso a su edad. El préstamo que está solicitando lo empleara en la compra de una vitrina, perchas y mercadería para mejorar la presentación de su local.

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
  • 39
    View loans »
    Ecuador Loans Fundraising
  • $26,686,375
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,075 helped Luz Balvina to buy a display case, hangers and merchandise.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Jun 18, 2012
Aug 3, 2012
Currency Exchange Loss:
Jul 17, 2013