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The client, age 43, lives in Guayaquil. He started getting training in some handicraft courses, which gave him the foundations. After he learned, he started to produce what he learned, selling to friends, neighbors, and contacts.

He makes dolls or figures with ‘fomix’ [craft foam]. He works alone from nine in the morning until nine at night. The difficulty that he has in his work is his illness. Sometimes he is not able to pay for the cost of things he needs to deal with his illness, which is PVVS (patient living with HIV/AIDS). He is not married, nor does he have children.

He will use the loan to buy fomix in order to make the items that he sells.

His dreams for the future are to first have his health, to be able to contribute more financially to his family, and to have more income in the market in order to distribute his products.
View original language description ↓
El Cliente vive en Guayaquil, ella tiene 43 años de edad. El comenzó capacitándose en manualidades en algunos cursos, que se daban en fundaciones, luego que aprendió él empezó a producir lo que aprendió, vendiéndolo a sus amistades, vecinos, y contactos.

El realiza muñecos o figuras con fomix, el realiza su trabajo solo, desde las 9:00 de la mañana hasta las 21:00 de la noche. La dificultad que él tiene en su trabajo, es su enfermedad ya que en ocasiones no puede pagar el costo del material de su enfermedad porque es pvvs (paciente viviendo con Vih sida). El no está casado, y tampoco tiene hijos.

Con el préstamo el va a comprar fomix, para realizar sus artículos que el vende. Sus sueños para el futuro son primero tener salud, y poder dar a su familia mas aportes económicos, y tener mes ingreso en el mercado para distribuir sus productos.

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 $300 helped this borrower to buy fomix [craft foam] to make the items he sells.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Mar 13, 2013
Mar 22, 2013
Currency Exchange Loss:
Nov 22, 2013