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The client lives in Duran. He sold lottery tickets, but he was robbed. He decided to change businesses. He now sells household goods and clothes. He works alone, and he visits his customers by going door to door.

His work is walking every day. He gets customers by going door to door so that they buy the clothes or goods that he sells. The difficulty is the thieves because he is afraid they will rob him. His difficulty is also his illness because he is a PVVS (person living with HIV/AIDS).

He is not married, but he has two daughters, ages 11 and 9. They both go to public school.

He will use the loan to buy household goods and clothes in order to continue selling.

His dream is to finish his house in order for his daughters to have a peaceful life.
View original language description ↓
El cliente vive en Duran. El vendía lotería pero le robaron y decio cambiar de comercio; ahora vende artículos para el hogar y ropa, el trabaja solo y visita a sus clientes casa por casa.

El trabajo de él es caminar todos los dias y concegir clientes casa por casa para que le compren la ropa o los articulos que vende. Su dificultad son los ladrones ya que tiene miedo que le vuelvan a robar y su enfermedad ya que es pvvs (persona viviendo con vih sida). No es casado, pero tiene 2 niñas una tiene 11 años y la otra tiene 9 años las dos están en escuela fiscal.

Con el préstamo va a comprar artículos para el hogar y ropa para poder seguir vendiendo. Su sueño es terminar de hacer su casa para que sus hijas tengan una vida tranquila.

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
  • 45
    View loans »
    Ecuador Loans Fundraising
  • $24,295,300
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $800 helped this borrower to buy household goods and men's and women's clothes.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Apr 12, 2013
Apr 24, 2013
Currency Exchange Loss:
Jul 2, 2014