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This borrower lives in Guayaquil. He started out several years ago selling shoes, but afterwards he began selling brand-name clothing to his customers who like the merchandise he sells. For this reason, he has an established clientele.

His business is a boutique where he sells blouses, trousers, and shoes. The difficulties he must deal with include relapses that prevent him from working normally, so he must stay at home. The borrower is a patient who is living with HIV/AIDS. He is not married and has no children. The borrower appears to be a women because he is a transsexual.

With this loan, the borrower will buy shoes and clothing for women. His dream is start a family and enjoy being with them. He would also like to have a house of his own and a store at a shopping center so that he can provide jobs to people who are in the same situation.
View original language description ↓
La cliente vive en Guayaquil. Empezó hace barios años con la venta de zapatos y después empezó a vender ropa de marca y a los clientes le gusta la mercadería que vendia por eso comenzo a tener una cartera de clientes.

Su negocio es una boutique donde tiene blusas, pantalones, zapatos para vender. Su dificultad es cuando tiene recaídas no puede laborar normalmente y se queda en casa, ya que ella es Pvvs (paciente viviendo con vih sida). No está casada, ni tiene hijos. En la foto tiene apariencia de mujer porque es transexual.

Con el prestamo quiere comprar zapatos, ropa de mujer. Su sueño es formar una familia disfrutar juntos con ellos, tener una casa propia, tener un local en un centro comercial y dar trabajo a personas con la misma situación.

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
  • 86
    View loans »
    Ecuador Loans Fundraising
  • $24,583,400
    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 shoes and clothing for women.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Apr 8, 2013
Apr 29, 2013
Currency Exchange Loss:
Jul 2, 2014