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Maria Jacquelin
María is 38 years old, single, and lives in an area called Las Orquídeas, which is north of Guayaquil. She always enjoyed buying cosmetics for her own personal use, but she never would have believed that she would be selling them. A friend of hers who sells cosmetics invited her to become part of the cosmetics company Avon.

María has been selling cosmetics through catalogs for two years. Her work requires her to travel to different parts of the city so that she can offer her products to friends and acquaintances. At the moment, María does not have to deal with any problems such as crime, and she hopes that she can continue in this manner. With this loan, she plans to buy beauty products such as lipsticks, eye shadows, perfumes, crèmes, and other items. Her dream is to buy a display cabinet so that she can exhibit her products in her home.

View original language description ↓
María tiene 38 años de edad vive en el norte de Guayaquil en un zona llamada las Orquídea. Es soltera . María siempre le ha gustado comprar productos cosméticos para su uso personal, pero nunca había pensado en vender productos cosméticos. Fue entonces que una amiga de María que vende cosméticos la invito a que sea parte de una empresa de cosméticos llamada AVON. En la actualidad ella ya tiene 2 años trabajando con el negocio de venta de productos de cosméticos por catálogos. La forma de trabajo es recorrer diversos lugares de la ciudad ofertando los productos entre amigos y conocidos. María por el momento no ha tenido ningún inconveniente en cuanto a la delincuencia y espera poder continuar de esta manera. Con el crédito piensa comprar artículos de belleza como labiales, sombras, perfumes, cremas etc. Su sueño es poder comprar una vitrina donde pueda exhibir sus productos en su casa.

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
  • 29
    View loans »
    Ecuador Loans Fundraising
  • $26,739,200
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $875 helped Maria Jacquelin to buy lipsticks, eye shadows, perfumes, crèmes, and other beauty products.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Oct 9, 2012
Nov 7, 2012
Currency Exchange Loss:
Nov 21, 2013