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This borrower lives in Guayaquil. She started out by selling cosmetics to her family. Later, she started to distribute them to her friends in Playas, where she used to live. Now she lives in Guayaquil, and she sells cosmetics to her friends. At times, she also travels to Playas to sell to her family members.

She works on her own, selling scents for men and women, creams, etc. The main difficulty she faces is her health, because as she is a patient who is living with HIV/AIDS, she cannot work as she should. She is not married, and she has an 18 year-old son.

With this loan, she wants to buy cosmetics and perfumes so that she can have more income, because with the floods they had where she lives, the appliances in her house were damaged. This is why she wants to put more effort into her sales.

Her dreams include: being able to enjoy her family, rebuilding her life and looking for someone who will love her as she is, and being able to have a store where she could distribute her products.
View original language description ↓
La cliente vive en Guayaquil. Empezó a vender cosméticos a su familia después empezó a distribuir abriendo paso entre sus amistades en Playas donde vivia. En la actualidad vive en Guayaquil y le vende a sus amistades los cosmeticos. Tambien en ocaciones viaja a Playas para vender a sus familiares.

Trabaja sola vende perfumes de hombre y de mujer, cremas etc. Su dificultada es su salud que no la deja trabajar como se debe ya que es pvvs (paciente viviendo con vih sida). No es casa tiene un hijo de 18 años.

Con el prestamo quiere comprar cosmeticos y perfumes para poder tener mas ingresos ya que la innundacion que hubo por donde vive le daño los electrodomesticos de su casa, y por eso quiere esforzarce mas en las ventas.

Su sueño es poder disfrutar junto a su familia rehacer su vida buscar alguien q la ame como es, poder tener un local 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
  • 101
    View loans »
    Ecuador Loans Fundraising
  • $25,071,700
    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 cosmetics and perfumes.
100% repaid
Repayment Term
13 months (Additional Information)
Repayment Schedule
Mar 28, 2013
Apr 17, 2013
Currency Exchange Loss:
Mar 27, 2014