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Norma Miriam
Norma lives in Las Orquídeas. She’s 40-years-old, single and has two children. As a result of her separation from her ex-spouse she decided to seek work to continue forward with her children’s schooling. Since no one would hire her to work for a firm she decided to open her phone service business. Her business has been gradually growing until it’s attained the necessary clientele. Norma works daily from 7:30am until 8:30pm. She works starting in the morning on different schedules. She will use the loan to buy phones, booths, various merchandise, etc. Her goal is to start another business venture.
View original language description ↓
Norma vive en las orquídeas. Tiene 40 años. Es soltera y tiene dos hijos. Ella a raíz de su separación de su ex pareja ella tomo la decisión de buscar trabajo para seguir adelante con los estudios de sus hijos. Como nadie le daba la oportunidad de trabajar en una empresa. Ella decide juntar dinero que tenia para dar apertura a su negocio de cabina En la actualidad su negocio poco a poco han ido creciendo hasta llegar a tener clientela necesaria norma trabaja diariamente desde las 7:30am hasta las 8:30pm. Ella trabaja desde la mañana en diferentes horarios .Con el préstamo el comprara , teléfonos , caseta , varios, etc. su meta es poner otro negocio de emprendimiento.

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
  • 42
    View loans »
    Ecuador Loans Fundraising
  • $26,538,950
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,075 helped Norma Miriam to buy phones, phone booths and phone accessories.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Dec 17, 2012
Feb 1, 2013
Currency Exchange Loss:
Feb 25, 2014