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This borrower lives in Guayaquil and manages a store she opened a few years ago. She gradually was able to stock her business and has been able to help her family get ahead. The borrower works alone in her store, which opens at 8:00 A.M. and closes at 11:00 P.M.

Her difficulty with her business is that her neighborhood experiences a lot of crime. She must also deal with her health, since she is not able to work on a normal basis. The borrower is a patient who lives with HIV/AIDS. She is not married and has a child who is one year and eight months old.

With this loan, the borrower will purchase rice, sugar, beverages, and canned goods. Her dream is to live with her family in a house of her own. She would also like to acquire a vehicle and have a well-stocked store so that she can provide her family with a better quality of life.

View original language description ↓
La clienta vive en Guayaquil. Empezó hace algunos años atrás en la tienda de poco a poco la ha ido surtiendo con esto a podido sacar adelante a su familia. Ella trabaja sola en la tienda abre a las 8h00 y cierra a las 23h00.

Su dificultad en el negocio es que en el sector donde ella esta hay mucha delincuencia y también su salud ya q hay veces que no puede trabajar normalmente YA QUE ES PVVS (paciente viviendo con vih sida). No está casada, tiene un hijo de 1 año 8 meses.

Con el prestamo quiere comprar arroz, azucar, bebidas, enlatdos. Su sueño es estar junto a su familia tener una casa propia un vehículo y una tienda bien surtida para darle a su familia 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
  • 48
    View loans »
    Ecuador Loans Fundraising
  • $24,299,900
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,500 helped this borrower to buy rice, sugar, beverages, and canned goods.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Apr 10, 2013
Apr 18, 2013
Currency Exchange Loss:
Jun 7, 2014