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Martha Cecilia
Martha is from the Orquideas neighborhood of Guayaquil. She decided some time ago to work as an apprentice, helping out in a beauty salon. Soon she became skilled in this activity, and she was able to establish her own salon. So far, the business has done very well. She works on her own every day from 8am until 9pm. She is not married, but she has a minor child who attends the local public school. In the future, she wants to build another apartment and also buy herself a vehicle. At this time, she needs a loan to buy equipment for use in her beauty salon.
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La cliente es del sector de Orquideas en Guayaquil. Decidió tiempo atrás trabajar de aprendiz, ayudando en un gabinete de belleza. Pronto se adiestró en esta actividad y pudo montar su propio gabinete, donde hasta ahora le ha ido muy bien. Trabaja sola todos los días, desde las 8 am hasta las 9 pm. No es casada, pero tiene un hijo menor de edad, que estudia en un colegio fiscal. Desea a futuro construir otro departamento y también comprarse un vehículo. Ahora necesita el crédito para la compra de implementos para uso de su salón de belleza.

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
  • 40
    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 $1,600 helped Martha Cecilia to buy supplies and items for her beauty salon.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Sep 9, 2013
Nov 1, 2013
Currency Exchange Loss:
Oct 31, 2014