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Vilma Raquel
The client is from the city of Libertad. She started with her business when her husband abandoned her, and he left her with outstanding debts. That was when, upon advice from her friends and family, she definitively decided upon selling cosmetics. She works alone by traveling to the different areas in the city from 10:00 a.m. until 4:00 p.m. She is a single mother, and she has a five year old child.

In the future, she would like to be able to set up her own variety store in her house. She now needs the loan to buy perfume, costume jewelry, and beauty creams.
View original language description ↓
La cliente reside en la ciudad de Libertad. Empezó con su negocio una vez que su cónyuge la abandonó y le dejó deudas pendientes. Fue entonces que por consejo de sus amigos y familiares, emprendió decididamente en la venta de cosméticos. Realiza su trabajo sola, recorriendo diferentes sectores de la ciudad de 10 am a 4 pm. Es madre soltera y tiene un hijo de 5 años de edad. A futuro le gustaría poder montar su propio bazar en su domicilio. Ahora requiere el crédito para la compra de perfumes, bisutería y cremas 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
  • 72
    View loans »
    Ecuador Loans Fundraising
  • $25,587,575
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $675 helped Vilma Raquel to buy beauty products.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Sep 19, 2013
Nov 1, 2013
Currency Exchange Loss:
Oct 31, 2014