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Elsy Elizabeth
Elsy is 25 years old and lives in the northern part of the city of Guayaquil. She is divorced and has a 7-year-old son who attends a nearby public school. Since she was young, Elsy has dreamed of opening her own beauty salon. After eight years of planning, she was able to open her business that she now runs out of her home.

Currently, Elsy works in the salon Monday through Sunday from 9 a.m. to 9 p.m. As time has passed, her client-base has grown, which has helped her improve her salon little by little. With this loan, Elsy will buy dyes, hair-clippers, creams, and other items for her business. Her goal is to expand her beauty salon in order to satisfy her customers and, in this way, improve the quality of life of her son.
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Elsy vive en el fortín zona norte de la ciudad de Guayaquil. Ella tiene 25 años de edad es divorciada tiene un hijo de 7 años de edad y estudia en una escuela pública. Empezó con el sueño desde muy temprana edad de tener un gabinete de belleza y fue hace 8 años atrás que su sueño se hizo una realidad porque dio la apertura a un gabinete en su casa.En la actualidad abre su gabinete de lunes a domingo desde la 9 de la mañana hasta las 9 de la noche. Al pasar los dias sus clientes han ido incrementando por lo que quiere mejorar su gabinete . Con el crédito quiere comprar tintes, máquina para cortar cabello, cremas etc. Su meta es ampliar su gabinete para satisfacer al cliente y así mejorar la calidad de vida de su hijo

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
  • 60
    View loans »
    Ecuador Loans Fundraising
  • $26,742,700
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,575 helped Elsy Elizabeth to buy dyes, hair-clippers, creams, etc.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Oct 17, 2012
Dec 1, 2012
Currency Exchange Loss:
Nov 21, 2013