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Carmen Maria
Carmen, age 34, lives in Guayaquil (Orquídeas). She has liked sales for ten years. She devotes herself to this type of business because it generates income for her. This way she is able to get money to cover the household expenses.

She sells cosmetics and clothes from 8:00 a.m. until 6:00 p.m. every day.

She is not married, and she does not have children.

She will use the loan to buy merchandise like cosmetics, shoes, purses, and perfume.

In the future she wishes to be able to buy a vehicle and to continue working. This is because this is how she supports herself and her parents.
View original language description ↓
La Señora Carmen vive en Guayaquil (Orquídeas), ella tiene 34 años de edad. A ella le gustan las ventas desde hace 10 años, ella se dedica a este tipo de negocio porque le genera ingresos, y así puede obtener dinero para sustentar los gastos del hogar.

Ella realiza la venta de cosméticos, de ropa, desde las 8:00 de la mañana hasta las 6:00 de la tarde, todos los días. Ella no está casada, no tiene hijos.

Ella usara el préstamo para comprar mercadería como cosmeticos, zapatos, carteras, perfumes. Ella desea para el futuro poder comprarse un vehículo, y seguir trabajando porque ese es el sustento de ella y de sus padres.

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
  • 38
    View loans »
    Ecuador Loans Fundraising
  • $26,686,375
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,300 helped Carmen Maria to buy merchandise like cosmetics, shoes, purses, and perfume.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Mar 28, 2013
Apr 7, 2013
Currency Exchange Loss:
May 6, 2014