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Norma Esperanza
Norma lives in the city of Manta in the province of Manabí. She is married and has a child who has reached the age of majority but still studies at a public high school near her home. Her husband is a driver for a taxi cooperative. Norma, with the desire to improve herself and make a contribution to her household, made the decision to sell banana empanadas. Norma gets up at 6 in the morning to purchase bananas and in the afternoons she sells them throughout the neighborhood.

With the loan she wants to buy bananas, cheese and tools for making the empanadas. Her goal is to have her own shop where she can sell all kinds of snack foods as well as distribute them to the high schools and elementary schools.
View original language description ↓
Norma vive en Manta ciudad de la Provincia de Manabí. Está casada tiene 1 hijo mayor de edad pero todavía estudia en un colegio público cerca de su domicilio, su esposo es un conductor de una cooperativa de taxi. Norma con ganas de superarse y aportar en su hogar tomo la decisión de vender empanadas de plátano. Norma se levanta a las 6 de la mañana a comprar el plátano y en las tardes ella vende las empanadas recorriendo su barrio. Con el préstamo quiere comprar plátano, queso, herramientas para la elaboración de las empanadas. Su meta es logar tener un local propio y poder vender todo tipo de bocaditos y también distribuirlos en los colegios y escuelas.

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
  • 72
    View loans »
    Ecuador Loans Fundraising
  • $26,542,600
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,575 helped Norma Esperanza to purchase bananas, cheese and tools for making empanadas.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Oct 4, 2012
Nov 5, 2012
Currency Exchange Loss:
Nov 21, 2013