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She lives in Guayaquil and started selling food outside her house; she currently delivers lunch to construction sites and has a pick-up truck she uses to do her lunch deliveries. The difficulty she has is that she occasionally has to suspend work due to her illness since she has PVVS (patient living with HIV/AIDS). Another difficulty she faces is customers that leave without paying which represents a loss for her. She’s not married but has adult daughters.

She wants to use the loan to buy meats, vegetables and fruit to make more meals and earn higher income. Her dream is to be able to have a restaurant and to work with her children to provide them a better quality of life.
View original language description ↓
La clienta vive en Guayaquil. Empezó vendiendo comida fuera de su casa, actualmente entrega almuerzo en las construcciones, tiene una camioneta en el cual entrega los almuerzos.

Su dificultad es que en ocasiones tiene que suspender su negocio x su enfermedad ya que ella es pvvs (paciente viviendo con vih sida). Otra de las dificultades es que hay clientes que se van sin pagar y eso es perdida para ella.No está casada, tiene hijas mayores de edad.

Con el prestamo quiere comprar carnes, verduras, frutas para hacer mas comidas y tener asi mas ingresos. Su sueño es poder tener un restaurante y trabajar junto a mis hijos dándoles una mejor calidad de vida.

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
  • 100
    View loans »
    Ecuador Loans Fundraising
  • $24,143,900
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $600 helped this borrower to buy meat, vegetables and fruit.
100% repaid
Repayment Term
15 months (Additional Information)
Repayment Schedule
Mar 28, 2013
Apr 18, 2013
Currency Exchange Loss:
Jun 7, 2014