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Anonymous
The client, age 58, lives in Guayaquil. He started out by traveling around and selling merchandise on a tricycle. However, he later became ill. He is a PVVS (patient living with HIV/AIDS). Also, he had an accident that left him with a bad foot. That is why he had to have a rechargeable cell phone card store in order to have more income. He had to start with what he knew because he is a refrigeration technician.

He tends to his business from nine in the morning until ten at night, and he works alone. He tells us that he has two difficulties in his business. The first is when his defenses are lowered. At these times he needs to rest completely. The second is that when it rains too much he has problems at his house. He is not married. However, he does have children who are already grown.

He will use the loan to strengthen his business with merchandise. He will buy supplies, grains, drinks, and rechargeable cell phone cards in order to have more income.

In the future, the client wishes to continue living. He also wants to preserve his business and increase it in order to have more income. He wants to be able to enjoy his life together with his family. He wants to be able to give them a better quality of life.
View original language description ↓
El cliente vive en Guayaquil, el tiene 58 años de edad. Empezó recorriendo en un triciclo vendiendo mercadería, pero después se enfermo es PVVS (paciente viviendo con Vih Sida). Tambien tuvo un accidente, que lo dejo mal con su pie, por eso tuvo que tener una tienda y recargas de celulares para tener mas ingresos y comenzar con lo que sabia ya que el es técnico en refrigeración.

El atiende su negocio desde las 9:00 de la mañana hasta las 22:00 de la noche, y lo realiza solo. El nos cuenta que tiene dos dificultades en su negocio, la primera, es cuando a él se le bajan las defensas y en esos momentos tiene que estar en absoluto reposo, la segunda es cuando llueve demasiado tiene problemas en su hogar. El no está casado, si tiene hijos pero ya son todos mayores de edad.

Con el préstamo el va a reforzar su negocio con mercaderías comprando viveres, granos, bebidas, recargas de celulares para tener más ingresos económicos. El cliente para el futuro desea seguir viviendo, también quiere conservar su negocio y incrementarlo para poder tener más ingresos económicos, poder disfrutar su vida junto a su familia, y poder darles una mejor calidad de vida.

Additional Information

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

  • $10,200
    Average annual income
  • 15
    View loans »
    Ecuador Loans Fundraising
  • $22,607,425
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $800 helped this borrower to buy supplies, grains, drinks, and rechargeable cell phone cards.
100% repaid
Repayment Term
15 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Feb 28, 2013
Listed
Mar 25, 2013
Currency Exchange Loss:
N/A
Ended:
May 6, 2014