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This client is 31 years old and lives in Guayaquil. He began selling keychains on October 9. Later it was suggested to him that he could sell more at the schools. He has made many sales since he has been able to create a new market for keychains.

The borrower works alone and receives help from no one. He begins his work selling keychains at 8:00 A.M. and finishes at 8:00 P.M. The difficulties that he must face in his work include dealing with his disability (he is blind) and the occasional customer who pays with counterfeit money. Whenever it rains, the ground becomes wet and dangerous since he is at risk of falling. The borrower is not married and has no children.

With this loan, the borrower will buy keychains and other items so that he can increase his business. As a result, he will earn more income. His goals for the future include being healthy, improving his financial situation, and having a house of his own. He would also like to provide jobs to people who have the same disability so that they can get ahead.
View original language description ↓
El cliente vive en Guayaquil, el tiene 31 años de edad, empezó vendiendo llaveros en la esquina de la nueve de octubre, luego le sugirieron que vendería más en los centros educativos, y desde ahí a tenido muchas ventas, y a podido abrir un mercado bueno de venta de llaveros.

El trabaja solo, no recibe ayuda de nadie, su labor empieza a las 8:00 de la mañana, termina a las 20:00 de la noche. Actualmente se dedica a la venta de llaveros, las dificultades que se le presentan en su trabajo son: su discapacidad ya que es ciego y en ocasiones le pasan billetes falsos. También cuando llueve y el piso esta mojado suele caerse y es muy peligroso. El no está casado, y no tiene hijos.

Con el préstamo el cliente va a comprar llaveros, y artículos, para poder incrementar su negocio y así tener más ingresos económicos. Sus metas para un futuro es de tener salud, mejorar su situación económica, tener una casa propia, dar empleo a personas que tienen la misma discapacidad que tiene el, para que esas personas puedan 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
  • 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 $1,600 helped this borrower to buy keychains and other accessories.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Mar 13, 2013
Mar 25, 2013
Currency Exchange Loss:
May 6, 2014