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The client lives in Guayaquil. Two years ago he started selling tostadas outside of his house. He liked his work because it generated money daily for his expenses.

He currently sells the tostadas and blended drinks in order to have more income. He sells food on Fridays, Saturdays, and Sundays. He works alone from 3:00 p.m. until 11:00 p.m.

The difficulty that he has doing his work normally is his health. It is very difficult for him to work when he gets sick. He is a PVVS (patient living with HIV/AIDS). He is not married, nor does he have children.

He wants to use the loan to buy meat, fruit, and plates upon which to service the food he sells. His dream is to have a better income in order to be able to buy more food. He also wishes to be able to have a better business and a quality service.
View original language description ↓
El cliente vive en Guayaquil. Empezó hace 2 años vendiendo las tostadas afuera de su casa ya que le gusta su trabajo por que genera dinero a diario para sus gastos.

Actualmente vende las tostadas, batidos y para tener mas ingresos vende comida los viernes sábados y domingo. Trabaja solo de 15h00 a 23h00.

La dificultad que él tiene para realizar su trabajo con normalidad es su salud ya que le es muy difícil trabajar cuando se enferma, el que es pvvs (paciente vviendo con vih sida). No es casado ni tiene hijos.

Con el prestamo quiere comprar carnes, frutas, platos para servir la comida que vende. Su sueño es tener un mejor ingreso para poder comprar más alimentos y poder tener un mejor negocio y un servicio de calidad.

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
  • 48
    View loans »
    Ecuador Loans Fundraising
  • $24,300,700
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $525 helped this borrower to buy meat, fruit, and plates upon which to service the food he sells.
100% repaid
Repayment Term
13 months (Additional Information)
Repayment Schedule
Mar 28, 2013
Apr 22, 2013
Currency Exchange Loss:
Mar 27, 2014