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Julia Rosario
Julia lives in Guayaquil. She started her business of selling food and managing phone booths several years ago when she needed more income for her family. Over time she was able to open a restaurant and have multiple sources of income. Her husband also has a few phone booths that he manages.

Julia currently manages two businesses, but she wants to keep progressing so that she can provide the best for her children. She has three children who are studying at state schools. One of her children appears with her in the photo. Julia’s children have already enrolled in their classes, but she needs to fund their studies. She needs a loan for the school supplies her children have requested.

View original language description ↓
La cliente Julia, vive en Guayaquil. Ella comienza su negocio de comida y cabinas telefónicas hace varios años atrás cuando tenia la necesidad de tener mas ingresos en su familia. Poco a poco puso un restaurante y con varios ingresos incluso los de su esposo también tuvieron unas cabinas telefónicas.

En la actualidad tienen dos negocio, pero quieren seguri progresando para darle lo mejor a sus hijos ya que tiene tres que estudian en escuelas fiscales (en la foto Julia aparece con uno de sus hijos).

Para poder capitalizar los estudios de sus hijos que ahora han entrado ha clases necesitan el crédito para los utiles escolares que le piden.

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
  • $26,742,700
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $425 helped Julia Rosario to buy schools supplies for her children.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
May 3, 2013
May 25, 2013
Currency Exchange Loss:
Dec 17, 2013