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This client started her business by way of a friend who suggested she do this. She managed to do it, and so far she has had no problems.

She works alone selling Nature’s Garden products. Her difficulty is illness because she is a “PVVS” (patient living with HIV/AIDS), which she could come to have in the future. She is married, and her husband does guard work. They have children, but they are all grown.

Her dream is to be able to continue improving her business with more products. Therefore, she wants to use the loan to buy vitamins and energy drinks. This way she will be able to continue with her life, and she will be able to live better with her family.
View original language description ↓
La Cliente; empezó el negocio por medio de una amiga que le sugirió en hacerlo, lo cual lo logro y no tiene ningún problema hasta ahora.

Lo realiza sola vendiendo los productos de Nature's Garden, su dificultad son las enfermedades ya que es PVVS (Paciente viviendo con Vih Sida) que puede llegar a tener en un futuro .Es casada, su esposo realiza la labor de guardia, tienen hijos pero todos son mayores de edad.

Su sueño es poder seguir mejorando con su negocio con mas productos, por eso quiere comprar con el prestamo vitaminas, energisantes y asi porder continuar con su vida y poder vivir mejor junto con su familia.

Additional Information

More information about this loan

This loan is for a Kiva borrower living with HIV/AIDS. 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 HIV/AIDS positive 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
  • 73
    View loans »
    Ecuador Loans Fundraising
  • $24,616,300
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,000 helped this borrower to buy vitamins and energy drinks.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Feb 19, 2013
Mar 11, 2013
Currency Exchange Loss:
Mar 27, 2014