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The client lives in Guayaquil. He started his business selling clothes years ago when he became unemployed. He continued with his sales and gradually attained a regular clientele. He currently works from 9am until 9pm every day selling pants, blouses, t-shirts, etc.

He has many hopes for his business because he wants to continue working and selling clothes since he now buys clothes at reduced price and resells it at a reasonable price to his customers. The difficulty he has with his business is his health since he’s PVVS (person living with HIV/AIDS). He wants his business to grow which is why he wants to buy more women’s and men’s clothes to sell so that he can have enough capital to have a store of his own.
View original language description ↓
El cliente vive en Guayaquil. Comenzó su negocio hace varios años atrás vendiendo ropa ya que se quedo sin empleo. Poco a poco siguió en sus ventas hasta tener una cartera de clientes. En la actualidad trabaja desde las 09:00am hasta las 21:00pm todos los días vendiendo pantalones, blusas, camisetas etc.

El tiene muchas aspiraciones con su negocio ya que quiere seguir trabajando y vendiendo ropa, ya que ahora la ropa la comprar económica y la vende a un precio razonable a la clientela. La dificultad que tiene en su negocio es su salud ya que es (pvvs, persona viviendo con vih sida).

Quiere que su negocio crezca por eso quiere comprar mas mercadería como ropa de mujer y hombre para vender. Y así tener un capital suficiente para tener un local propio.

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
  • 80
    View loans »
    Ecuador Loans Fundraising
  • $25,065,700
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,000 helped this borrower to buy men's and women's clothes.
100% repaid
Repayment Term
15 months (Additional Information)
Repayment Schedule
May 23, 2013
Jun 13, 2013
Currency Exchange Loss:
Aug 2, 2014