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Valeria Viviana
Valeria lives in the south of Guayaquil in an area called Isla Trinitaria. She is single and has no children. She started her business of selling cosmetics by catalog thanks to her aunt who sells cosmetic products and one day she told Valeria to help her sell them and she liked that very much.

At present Valeria has become independent with the sale of cosmetics by catalog. The way that she works is to go around to various places in the city offering the products among friends and acquaintances. Valeria, for the time being, has not had any problem with regard to delinquency and hopes to be able to continue in this manner.

With the loan she plans to buy beauty items like lipsticks, eye shadows, perfumes, creams, etc.
View original language description ↓
Valeria viven el sur de Guayaquil en una zona llamada isla trinitaria, es soltera tampoco tiene hijos. Ella comenzó su negocio de venta de cosméticos por catálogos gracias a su tía quien vende productos cosméticos y un día le dijo que la ayudara a vender y eso a ella le gusto mucho. En la actualidad Valeria se independizo con la venta de cosméticos por catálogos. La forma de trabajo es recorrer diversos lugares de la ciudad ofertando los productos entre amigos y conocidos. Valeria 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.

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
  • 28
    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 $875 helped Valeria Viviana to buy beauty items like lipsticks, eye shadows, perfumes, creams, etc.
100% repaid
Repayment Term
13 months (Additional Information)
Repayment Schedule
Oct 16, 2012
Dec 1, 2012
Currency Exchange Loss:
Oct 19, 2013