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This client is 27 years old and lives in Guayaquil. She began selling cosmetics and undergarments years ago. She enjoys selling cosmetics more because customers tend to order more of those products, which has allowed her to move her family forward.

The borrower currently sells cosmetics by herself from 8:00 A.M. to 6:00 P.M. The difficulties she must face in her business include dealing with her illness, which prevents her from working on a few occasions. She is also concerned about crime. The borrower does not have a husband. She is a single mother of two children who are attending state schools.

With this loan, the borrower will buy more merchandise such as perfumes, crèmes, and chains so that she can generate more income. Her dreams include continuing her life with the help of God, helping her children become successful, owning a retail location, and providing for all of the household needs.

View original language description ↓
La cliente vive en Guayaquil, Tiene 27 años de edad. Ella empezó hace años vendiendo los cosméticos y ropa interior, pero más le gusto vender cosméticos ya que la gente le piden bastante y con eso a podido sacar adelante a su familia.

Ella se dedica actualmente a la venta de cosméticos, trabaja sola de 8:00 de la mañana, a las 18:00 de la tarde. Las dificultades que se le presentan en su negocio son su enfermedad lo cual en ocasiones no le permite trabajar, y también la delincuencia.

Ella no tiene esposo, es madre soltera de 2 hijos y estudian en escuelas fiscales.

Con el préstamo ella va a comprar materiales para poder tener más ingresos como perfumes, cremas, cadenas. Sus sueños son de seguir con su vida con la ayuda de Dios, completar los triunfos de sus hijos, poder tener un local comercial y suplir todas las necesidades del hogar.

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
  • 85
    View loans »
    Ecuador Loans Fundraising
  • $25,054,950
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $525 helped this borrower to buy perfumes, crèmes, and chains.
100% repaid
Repayment Term
13 months (Additional Information)
Repayment Schedule
Feb 26, 2013
Mar 23, 2013
Currency Exchange Loss:
Feb 25, 2014