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Martha Kathiuska
Martha works selling beauty products via catalogue. She chose this activity because she wanted to help her children since she has two little ones she cares for and which is why she is unable to work in a firm. The work’s independent and the research she did made her feel it was profitable so she started selling under another person’s code but this wasn’t very helpful for her because the person who won the rewards for volume sales was her girlfriend. When she was able to gather together money to capitalize herself she approached the firm and registered with her own code number.

She works alone on her routes visiting customers either to collect payment or to take orders. Her normal schedule is 9 to 11 in the morning and then again from 3pm-5pm. She takes this break in order to be return home to care for her children. Martha sells such things as perfume, make-up, lipstick, etc. that she buys; her profit margin is 30%.

She lives in Duran and is divorced. She will use the loan to buy products like perfume, make-up, clothes and shoes to sell hoping to obtain better results. In future she wants to open a better situated business to help more with household income.
View original language description ↓
Martha se dedica a la venta de productos de belleza por catalogo, escogió esta actividad porque quería ayudar a sus hijos ya que tiene 2 niños pequeños a quienes cuida por eso no puede trabajar en una empresa. El trabajo es independiente y en la investigación que realizo le pareció rentable, empezó vendiendo bajo el código de otra persona pero esto no le ayudaba ya que quien ganaba las promociones por volúmenes de venta era su amiga. Cuando pudo reunir dinero para capitalizarse se acerco a la empresa y se registro con su propio código. El trabajo lo realiza sola haciendo recorridos y visitando a sus clientes ya sea para cobrar o entregar y recoger pedidos. Su horario normalmente es desde las 9:00 de la mañana hasta las 11:00 y luego sale a las 15:00 hasta las 17:00 realiza este intervalo porque regresa a casa para atender a sus hijos. Martha vende productos como perfumes, maquillaje, lápices labiales etc., los cuales compra teniendo un margen del 30% en sus ventas. Vive en Duran y es divorciada. Con el préstamo va a comprar productos como perfumes, maquillaje, ropa y calzado para la venta esperada obtener mejores resultados. A futuro espera poder ponerse un negocio mejor establecido y así ayudar más en los ingresos para su hogar.

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
  • 74
    View loans »
    Ecuador Loans Fundraising
  • $25,592,650
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,100 helped Martha Kathiuska to buy perfume, make-up and clothes.
100% repaid
Repayment Term
17 months (Additional Information)
Repayment Schedule
Sep 20, 2012
Oct 19, 2012
Currency Exchange Loss:
Feb 25, 2014