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Claudia Clariza
Claudia lives in Libertad, and is 40 years of age. She started her business in the city of Guayaquil many years ago, and ever since she moved to Libertad, she has continued to work selling water. She is a woman who runs her business alone, and works from 2 pm until 8 pm. She has three people who help her to make her sales. The difficulty that Claudia faces is the changing climate, as sales are very low during the rainy season and it’s not easy to work.

Claudia is single, as her husband left her and her two children, aged 17 and 16. Both her children study in public school. With the loan she has requested, Claudia would like to buy bottled water to sell to her customers. Her dream is to improve her home, so that she can have her own premises from which to distribute her goods. This will also help her to move her products and have a higher income, providing her children with a good education.
View original language description ↓
La Sra. Claudia vive en Libertad, tiene 40 años de edad. Ella empezó su negocio en la ciudad de Guayaquil desde hace muchos años y desde que reside en Libertad sigue realizando su trabajo de venta de agua.
Ella es una mujer que realiza su negocio sola trabaja desde las 2:00 de la tarde hasta las 8:00 de la noche, tiene personas que le ayudan a vender.

La dificultad que tiene es el cambio de clima ya que si se encuentra en temporada de lluvias la venta es muy poca y no puede trabajar con facilidad. Es una mujer soltera, su esposo la abandono con sus dos hijos uno de 17 y el otro de 16 años de edad, que ambos estudian en una escuela fiscal.

Con el préstamo quiere comprar agua embotellada para vender a sus clientes. Su sueño es mejorar su vivienda para así poder tener un local propio en donde pueda distribuir su mercadería y que se le facilite la movilización del producto. Y así tener más ganancias y brindarles una buena educación.

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
  • 73
    View loans »
    Ecuador Loans Fundraising
  • $25,592,650
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,100 helped Claudia Clariza to buy bottled water.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Feb 3, 2013
Mar 5, 2013
Currency Exchange Loss:
Mar 27, 2014