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The client, age 40, lives in Guayaquil. She started selling CDs in an itinerant manner with her husband. However, he died with HIV/AIDS. She was getting ahead with her CD place, but it was not enough. Later on she came to have a restaurant with which she is able to support her family.

Her health is difficult for her because on occasion she has been hospitalized. She is a widow, and she has two children, ages 19 and 20.

She wishes to use the loan to buy items like chairs, tables, and CDs, etc.

Her dreams for the future are that God gives her life and health, to give her children the best, to have a bigger restaurant, and to give other people who do not have work an opportunity without discrimination.
View original language description ↓
La cliente vive en Guayaquil, ella tiene 40 años de edad. Ella empezó vendiendo CD con su esposo de forma ambulante, pero el falleció con VIH Sida, ella fue saliendo adelante con su local de CD, pero no era suficiente y más adelante llego a tener un restaurante, con el cual puede mantener a su familia.

A ella le dificulta su salud, ya que en ocasiones le a tocado estar hospitalizada. Ella es viuda, y tiene 2 hijos, de 19 y 20 años de edad. Con el préstamo ella desea comprar materia prima, sillas, meses, CD. etc.

Sus sueños para el futuro es que Dios le de vida y salud, darle lo mejor a sus hijos, tener un restaurante más grande y dar oportunidad a otras personas que tengan un empleo y no sean discriminados.

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
  • 81
    View loans »
    Ecuador Loans Fundraising
  • $25,019,100
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,525 helped this borrower to buy tables, chairs, and supplies.
100% repaid
Repayment Term
17 months (Additional Information)
Repayment Schedule
Mar 4, 2013
Mar 20, 2013
Currency Exchange Loss:
Aug 2, 2014