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The client lives in Guayaquil. The client has been in this business for five years. She does it with the desire to help her husband, who sells sweets on the buses. She works selling stationery products. She works alone from 8:00 a.m. until 6:00 p.m.

Her difficulty is the illness of one of her children. He suffers from learning problems (her son is the one that has the disability). She is married, and her husband sells sweets on the buses. She has three children. Two of them attend public school. One of them goes to a private center for people with learning problems.

She wants to use the loan to buy stationery items, notebooks, pens, and school supplies in order to be able to have more income.

Her dream is to have a business selling household goods at her house. Regarding her family, she hopes for the improvement of her son’s health.
View original language description ↓
La clienta vive en Guayaquil. La cliente se dedico a este negocio hace 5 años y lo hace con el afán de ayudar a su esposo quien vende caramelos en los buses. Ella realiza su trabajo vendiendo papeleria. Realiza su trabajo solo de 8h00am a 18h00pm.

Su dificultad es la enfermedad de uno de sus hijos quien padece de problemas de aprendizaje (el hijo es quien tiene la discapacidad). Si está casada su esposo se dedica a la venta de caramelos en los buses.Tiene 3 hijos dos de ellos estudian en escuela fiscal y uno en un centro particular para personas con problemas de aprendizaje.

Con el prestamo quiere comprar papeleria, cuadernos, plumas, utilies escolares para poder tener mas ingresos. Su sueño es tener un bazar en su casa en lo familiar espera la mejoría de salud de su hijo

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
  • 87
    View loans »
    Ecuador Loans Fundraising
  • $25,057,850
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $700 helped this borrower to buy stationery items, notebooks, pens, and school supplies.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Apr 11, 2013
Apr 18, 2013
Currency Exchange Loss:
Jun 7, 2014