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The client lives in Guayaquil. She is an enterprising woman who started her business of selling clothes by catalog five years ago. This way she is able to help her husband with the household expenses.

She has been improving her sales little by little. Now she has a portfolio of fixed customers to whom she sometimes gives credit. She works from 8:00 a.m. until 6:00 p.m. What makes it difficult for her to do her business activities normally is that she needs to care for her child who has a learning disability.

In order to continue with her business she wants the loan to buy women’s and men’s clothes by catalog. This way she will have a greater variety of merchandise.
View original language description ↓
La cliente vive en Guayaquil, ella es una mujer emprendedora ya que comenzó con su negocio de venta de ropa por catalogo hace 5 años atrás y asi poder ayudar a su esposo con los gastos del hogar.

Poco a poco fue mejorando sus ventas, hasta ahora que tiene una cartera de clientes fijas que le da a crédito en ocasiones. Trabaja desde las 08h00 am hasta las 18:00 pm. Lo que le dificulta a ella realizar sus actividades con normalidad es que tiene que cuidar a su hijo que tiene una discapacidad de aprendizaje.

Para seguir con su negocio ella quiere comprar con el préstamo ropa por catalogo para mujer y hombres y asi tener mas diversidad en su mercaderia.

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
  • 94
    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 $700 helped this borrower to buy women’s and men’s clothes by catalog.
100% repaid
Repayment Term
15 months (Additional Information)
Repayment Schedule
May 31, 2013
Jun 25, 2013
Currency Exchange Loss:
Aug 2, 2014