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Ciro Enrique
Ciro, 51, has 2 children and is currently separated from his wife. He's had a business selling the most popular newspapers in Guayaquil, such as “El universo," and “La extra," and lottery tickets in the center of the city for 10 years. He works from 6am until 11am.

One of the difficulties he faces in selling newspapers is that he has a disability. He lost both arms in a work accident 20 years ago. He was working as a metalworker for a company when he was injured by an electric shock, and the doctors had to remove his arms to prevent gangrene from reaching his heart. This has made it difficult for him to do normal work like other people. However, in spite of his disability, he continues to work so that he can provide the best for his two children.

In order to generate more income he also has 2 apartments in his house that he rents out, because years ago he inherited a house and took advantage of the opportunity to build and rent out these spaces. One of the apartments rents monthly for $75, the other for $130. Ciro has a lot of aspirations for his business and his apartment rentals, and for this reason, he wants to take a loan so that he can make some improvements to the apartments. This way he can charge more rent and obtain more income. To do this, he wants to buy paint, cement, and cement blocks for the repairs to the apartments.

In the interview, Ciro told us, "My plans for the long term are to provide my children with a good education, and improve my house so that I can have more income that is independent from my business selling newspapers."
View original language description ↓
Ciro de 51 años, tiene dos hijos y está separado de su esposa actualmente. El es vendedor de periódicos de los más populares en Guayaquil llamados “El universo”, “La extra” y la lotería en el centro de la Ciudad hace 10 años atrás. Trabaja desde las 06:00am hasta las 11:00am.

Una de las dificultades de vender los periódicos debido a su discapacidad la cual es que no tiene sus dos brazos, esta discapacidad el la obtuvo trabajando aproximadamente hace unos 20 años atrás cuando él trabajaba de fierrero en una empresa y recibió una descarga eléctrica y los doctores para evitar que la cangrena llegue al corazón tuvieron que cortarle los brazos y eso hace que no pueda trabajar con la normalidad de cualquier persona. Pero a pesar de su discapacidad el sigue trabajando para poder darle lo mejor a sus dos hijos.

El también tiene en su casa para mejorar sus ingresos dos departamentos que alquila ya que hace años a él le heredaron una casa y aprovecho la oportubidad para poder construir y asi alquilar esos espacios, uno de los departamentos los alquila mensualmente a $ 75 y otro a $ 130. Tiene muchas aspiraciones de continuar con su negocio y el alquiler de los departamentos por eso el quiere el préstamo para centrarlo en mejorar los departamentos que alquilar y así tener un mejor precio para tener mas ingresos, por lo cual él quiere comprar pinturas, cemento, bloques para el arreglo de los mismos.

En la entrevista el Ciro nos dijo:
Mis proyecciones para largo plazo es darles una buena educación a mis hijos y mejorar su vivienda para poder tener mas ingresos muy aparte de la venta de periódicos.

Additional Information

More information about this loan

This loan is for a Kiva borrower living with a disability. These borrowers face high barriers to obtain loans due to their health condition. Kiva Field Partner Banco D-MIRO combines their loan with free health and life insurance to help borrowers generate the capital necessary to develop and run a business.  

Due to potential safety risks facing disabled borrowers and the need to protect their privacy, the faces of borrowers from Banco D-MIRO may be blurred in photos.

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
  • 69
    View loans »
    Ecuador Loans Fundraising
  • $24,622,200
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $675 helped Ciro Enrique to buy paint, cement, and cement blocks to improve the apartments that he rents.
100% repaid
Repayment Term
15 months (Additional Information)
Repayment Schedule
Jan 21, 2013
Jan 31, 2013
Currency Exchange Loss:
Mar 27, 2014