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This client lives in Guayaquil. He is 51 years old and began selling candy more than 10 years ago in the central part of the city and on the buses. After he became visually disabled, he switched over to different products and now sells potatoes, banana chips, and fried plantains. He enjoys what he does, so he is able to support himself.

The borrower works alone in his shop from 8:00 A.M. to 5:00 P.M. He sells banana chips, potatoes, potato chips, and other items. He experiences two difficulties with his work. First of all, his visual disability does not allow him to engage in his business in a normal manner. The other difficulty is that cruel-hearted people have purchased merchandise with counterfeit money.

The borrower is not married nor does he have any children. With this loan, he will buy products to sell in his shop such as potatoes, banana chips, and fried plantains. His dreams for the future include having a place where he can work and others do not discriminate against people with disabilities by providing them with jobs. He would also like to have the same opportunities that are offered to everyone else.

View original language description ↓
El cliente vive en Guayaquil, tiene 51 años de edad. Comenzó hace más de 10 años vendiendo caramelos, en el centro de la ciudad, y en los buses, después por su discapacidad visual tiene que cambiar la línea de productos ahora vende: papas, chifles, maduros, y le gusta mucho lo que hace con eso se puede mantener.

El trabaja solo en su local, desde las 8:00 de la mañana hasta las 17:00 de la tarde, vendiendo chifles, papas, rufles, etc. El tiene dos dificultades en su trabajo, primero su discapacidad visual el cual no le permite desenvolverse con normalidad en su negocio. La otra es las personas de mal corazón que le compran con monedas falsas, billetes falsos.

El no tiene esposa. Y tampoco tiene hijos. Con el préstamo el va a comprar productos para su venta de su trabajo como papas, chifles, maduros. Sus sueños para un futuro es tener un local en el cual trabajar y que no discriminen a las personas con discapacidad, y poder dar empleo y así tener las mismas oportunidades que tienen todas las personas.

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
  • 90
    View loans »
    Ecuador Loans Fundraising
  • $24,583,400
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,625 helped this borrower to buy potatoes, banana chips, and fried plantains.
100% repaid
Repayment Term
18 months (Additional Information)
Repayment Schedule
Feb 28, 2013
Mar 20, 2013
Currency Exchange Loss:
Aug 2, 2014