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Clemencia Emiliana
Clemencia lives in Quevedo, Ecuador, and she is 39 years old. She started her business when her husband emigrated to Spain because he didn't see a future in Ecuador, leaving her alone with their children and without money. She decided to start selling caps and sunglasses from a stand, and through this business she has been able to get ahead.

Clemencia makes her sales with the help of her children throughout the day. The difficulties she often faces are the illnesses that at times prevent her from working as she usually does. Clemencia is married and her husband is out of the country. She has children who are 17 and 14 years old who study in a private school.

Clemencia will use this loan to buy merchandise for her business such as sunglasses and caps. In the future she wants her husband to return, and she would like to have her own sports clothes store.
View original language description ↓
La señora Clemencia vive en Quevedo (Ecuador), ella tiene 39 años de edad. Todo empezó cuando su esposo emigro a España ya que no encontraba futuro acá, al quedarse ella sola con sus hijos y sin dinero decidió ponerse un puesto de gorras y gafas, y por medio de este negocio a podido salir adelante.

Ella realiza las ventas con la ayuda de sus hijos durante todo el día. Las dificultades que a menudo se la presenta son las enfermedades que a veces impide trabajar con normalidad. Ella está casada su esposo esta fuera del país. Tiene dos hijos de 17 y 14 años de edad, estudian en colegio particular.

Ella usara el préstamo para comprar mercadería para su negocio como: gafas y gorras. Ella desea para el futuro que su esposo regrese, y ponerse un almacén de ropa deportiva.

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
  • 30
    View loans »
    Ecuador Loans Fundraising
  • $26,524,625
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,100 helped Clemencia Emiliana to buy merchandise for her business: caps and sunglasses.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
Mar 15, 2013
Apr 6, 2013
Currency Exchange Loss:
Feb 25, 2014