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This borrower lives in Guayaquil. Three years ago, she chose to pursue her line of work because she wanted to have a means of supporting herself. This is how she began selling cosmetics, perfumes, and crèmes, and gradually she was able to improve her income. She was also able to continue her job at a company where she is in charge of making copies. The borrower works at her job from 8:00 A.M. to 6:00 P.M. She takes some time to sell cosmetics to her coworkers, but she also sells on the weekends.

The borrower has been a living with a disability for a number of years. She had a problem that resulted in the amputation of one of her lower extremities. Now she is doing everything possible to improve her income.

The borrower does not have a husband or children. With this loan, she wants to buy merchandise for her business of selling cosmetics and perfumes. Her dream is to have a bazaar and to acquire a house of her own.

View original language description ↓
La clienta vive en Guayaquil. Hace tres años escogió esta actividad porque quería tener una fuente de supervivencia, entonces comenzo a vender cosmeticos, perfumes, cremas, poco a poco fue mejorando sus ingresos. Tambien pudo consegir un trabajo en una emrpesa donde ella saca copias, en tal lugar trabaja desde las 8h00 hasta las 18h00, y en algunos momentos vende cosmeticos a sus compañeros del trabajo y tambien vende los fines de semana.

La clienta tiene una discapacidad que desde hace años atras tiene problema ya que le fue amputada una de sus extremidades inferiores, por eso ella ahora hace todo lo posible por mejorar sus ingresos.

No tiene conyugue, ni hijos. Con el préstamo quiere comprar mercadería para su negocio de venta de cosmeticos y perfumes, su sueño es poder tener un bazar y conseguir una casa propia.

Additional Information

More information about this loan

This loan is for a Kiva borrower living with a disability. 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 disabled 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
  • 90
    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 $675 helped this borrower to buy cosmetics and perfumes to sell.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Apr 22, 2013
Apr 29, 2013
Currency Exchange Loss:
Jul 2, 2014