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This client lives in Guayaquil. She says that she began her business of selling cosmetics, perfumes, and crèmes three years ago so that she could help with the household expenses.

The borrower begins her duties at 8:00 A.M. and finishes at 4:00 P.M. after a hard day of work. She spends the entire time selling cosmetics. There have not been any major problems with her business, but the borrower indicates that one of her children suffers from severe cerebral palsy. Therefore, she takes on a large responsibility of taking care of her son by herself, which requires a great demand on her time. The borrower is separated from her husband. She has three children and two of them attend a state school.

With this loan, the borrower will buy perfumes, crèmes, and cosmetics. Her dream is to open a bazaar so that she will have a better place to sell her products. She also wants to have a house of her own, but most of all, she hopes that all of her son’s treatment will improve his health greatly.

View original language description ↓
La cliente vive en Guayaquil. Ella nos cuenta que comenzó su negocio vendiendo cosmeticos, perfumes, cremas hace 3 años, para así poder ayudar con los gastos del hogar.

Ella comienza con su labor a las 8:00 de la mañana, hasta las 4:00 de las tarde terminando así un arduo día de trabajo. Ella se dedica al Comercio de cosmeticos.

La clienta no ha tenido problemas graves en su negocio, pero también nos conto que uno de sus hijos padece de parálisis cerebral severa, lo cual es una gran responsabilidad el de poder criarlo ella sola, y esto también le demanda mucho cuidado para su pequeño hijo. Ella está separada de su esposo, y tiene 3 hijos, y 2 de ellos estudian en escuela fiscal.

Con el prestamo quiere comprar perfumes, cremas, cosmeticos. El sueño de la clienta es tener su bazar para vender mejor sus productos, y también desea tener su casa propia, y sobre todo tratar que la salud que su hijo mejore mucho.

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
  • 62
    View loans »
    Ecuador Loans Fundraising
  • $26,542,600
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $675 helped this borrower perfumes, cremas, cosmeticos.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Mar 11, 2013
Mar 22, 2013
Currency Exchange Loss:
May 6, 2014