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This borrower is from Guayaquil. He started his business 10 years ago after he suffered an accident at work that left him blind. Despite this disability, he continued to forge ahead and now he has his own business.

The borrower works with the help of his wife. Their work schedule is from 8:00 A.M. to 6:00 P.M. He is married and his wife is also a merchant. (his wife is pictured in the photo) They have three children, but two of them are studying at a private school. One is on scholarship for being an excellent student.

With this loan, the borrower will buy microwave ovens, hot plates, and blenders. His dreams include having a business at an established location. As a result, he will be able to provide a better life for his children in hopes that they will attain the education they need to get ahead.
View original language description ↓
El Cliente vive en Guayaquil, el empezó con su negocio hace 10 años después de haber sufrido un accidente laboral en lo cual sufrió la pérdida de su vista, pero él siguió adelante con su discapacidad y ahora tiene su negocio.

EL Sr. Realiza su trabajo con la ayuda de su esposa ellos empiezan su labor desde las 8:00 de la mañana hasta las 6:00 de la tarde.

Si se encuentra casado, su esposa también es comerciante (es la que esta en la foto con el), tienen 3 hijos 2 de los cuales estudian en escuela particular y uno esta becado por ser un excelente estudiante.

Con el prestamo quiere comprar microondas, cocinas, licuadoras. Sus sueños es de poder tener un negocio en un lugar fijo y así poderle dar mejor vida a sus hijos aunque tienen la esperanza del estudio de sus hijos en el cual van a salir adelante.

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
  • 73
    View loans »
    Ecuador Loans Fundraising
  • $24,585,975
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $900 helped this borrower to buy microwave ovens, hot plates, and blenders.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Feb 18, 2013
Mar 18, 2013
Currency Exchange Loss:
Mar 27, 2014