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Narcisa Janeth
This borrower lives in the city of Machala. Some time ago, she took the initiative along with her sister who worked at a shoemaking business. Her sister helped her by giving her a loan to buy merchandise since she has been good with her payments. Later on, she began selling to customers throughout the city. She begins her work by making her rounds in the mornings and also in the afternoons.

The borrower has been separated for 10 years from her ex-husband, who traveled to Spain and married another woman. Since then, she has raised her two children. One is now grown and has a job, which helps out financially. The other one is in the first year of high school.

The borrower wants to invest the money from the loan in the purchase of more merchandise (trinkets and shoes) so that she can continue her sales.

View original language description ↓
La cliente reside en la ciudad de Machala. Empezó tiempo atrás cuando tomó la iniciativa con su hermana, quien trabaja en una empresa fabricante de calzado. Ella le ayuda dándole crédito en la mercadería, dado que ha sido una buena pagadora. Luego ella la vende a sus clientes en toda la ciudad. Comienza a laborar haciendo su recorrido en las mañanas y durante la tarde también. Tiene 10 años separada de su ex-esposo, quien viajó a España y se casó con otra señora. Ha criado a sus 2 hijos desde entonces, uno ya es mayor de edad y tiene un trabajo con el cual la ayuda; mientras que el otro asiste al colegio y está en primer año de secundaria. Desea invertir el dinero del crédito en la compra de más mercadería (bisutería y zapatos) para continuar con su venta.

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
  • 72
    View loans »
    Ecuador Loans Fundraising
  • $25,587,575
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD
A loan of $1,600 helped Narcisa Janeth to buy trinkets and shoes to sell.
Repayment Term
14 months (Additional Information)
Repayment Schedule
Jul 5, 2013
Aug 3, 2013
Currency Exchange Loss:
Sep 2, 2013