A loan of $1,625 helps to do maintenance on her apartments.


Ramona Monserrate's story

Ramona Monserrate and her family live in Manta, a pretty place where the people are very humble and hardworking.

Ramona is a very hardworking woman who daily strives to earn her own income and to be able to cover household expenses. For that reason, thanks to the previous loan, she was able to invest in maintenance on some apartments.

Because she lacks funds to continue with the maintenance, she requests a new loan to be able to complete this objective. The apartments are her only source of income, and with that, she will be able to get ahead.

She will invest the loan in continuing maintenance on the apartments. Her dream is to continue expanding her business.

Translator profile picture

Translated from Spanish by Kiva volunteer joann stephan.


This loan is special because:

It helps borrowers withstand negative economic impacts of the COVID-19 pandemic.

Patrick Flynn, Kiva staff

Patrick Flynn
Kiva staff



Loan details


Lenders and lending teams





Repayment schedule

*This loan is impacted by the COVID-19 crisis and your support is needed more than ever. Repayments may be delayed or lower than expected.

Loan details



Repayment schedule

*This loan is impacted by the COVID-19 crisis and your support is needed more than ever. Repayments may be delayed or lower than expected.