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Johanna Nathaly
Johanna lives in Guayaquil. She started her business quite a while ago when she got a small severance payment 3 years ago. Now she works every day, selling on the basis of orders and at times selling her products and cosmetics on credit.

She has not had any difficulty with the business, nor does she expect it in the future. She is not married; she's single and has no children.

With this loan, Johanna wants to buy cosmetics, creams, perfumes, and other products. Her dream is to continue working in her small business selling cosmetics and perfumes (she does this by searching for lists of customers on the computer that is in the photo), and to stock up the business. She also wants to help her parents, because they took care of her when she was a child. She wants to give her family a better quality of life and support them in every way.
View original language description ↓
La Sra. Johanna vive en Guayaquil, Empezó hace ya mucho tiempo cuando tuvo una pequeña liquidación hace 3 años. Actualmente ella realiza su trabajo de todos los días bajo pedido y en ocasiones da a creditos los productos y cosmeticos.

No tiene ninguna dificultad, por el momento ni espera tenerlo .No está casada, es soltera y tampoco tiene hijos.

Con el prestamo quiere comprar cosmeticos, cremas, perfumes, etc. EL sueño que quiere realizar es poder seguir laborando en su pequeña empresa de venta de cosmeticos y perfmes (esto lo hace registrando listado de clientes en la computadora que esta en la foto), surtirla ayudar a sus padres ya que ellos lo hicieron con ella cuando era menor poder darle una mejor vida a su familia apoyarlos en todo.

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
  • 41
    View loans »
    Ecuador Loans Fundraising
  • $26,541,250
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,100 helped Johanna Nathaly to buy cosmetics, perfumes and creams.
100% repaid
Repayment Term
15 months (Additional Information)
Repayment Schedule
Feb 22, 2013
Mar 17, 2013
Currency Exchange Loss:
May 6, 2014