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This borrower lives in Guayaquil. She started out selling meat skewers, and later, because of her health, she started selling cosmetics to her friends. This is how she gets ahead with her family.

She works alone from 8am until 6pm. She sells products such as perfumes for men and women, creams, and other items. Her difficulty is that when her illness recurs, it makes it difficult for her to sell her products (she is a patient who is living with HIV/AIDS). She is married, and her husband is a master electrician. They have a 10 year-old child who attends public school.

With this loan, she will buy cosmetics and school supplies. Her dreams include: enjoying her family and a good quality of life, having her own home, and having a vehicle to get around and distribute her cosmetics.
View original language description ↓
La clienta vive en Guayaquil. Empezó vendiendo alitas y chuzos luego por su salud empezó a vender cosméticos a sus amistades y con esto saca adelante a su familia.

Trabaja sola abre a las 8h00 y cierra a las 18h00. Vende cosméticos como perfumes de hombre y mujer cremas entre otras cosas. Su dificultad es cuando recae con su enfermedad se le dificulta vender los productos ya que es pvvs (paciente viviendo con vih sida). Si es casada su esposo es maestro electricista, tiene un hijo de 10 años y estudia en escuela fiscal.

Con el préstamo va a comprar cosméticos y articulos escolares. Su sueño es disfrutar con su familia una buena calidad de vida, tener su casa propia y un vehículo para movilizarme y distribuir sus cosméticos.

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
  • 51
    View loans »
    Ecuador Loans Fundraising
  • $24,308,800
    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.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
Apr 15, 2013
Apr 18, 2013
Currency Exchange Loss:
Mar 27, 2014