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The client lives in Guayaquil. She started her clothing business with her husband and gradually sold clothes to their neighbors, friends and acquaintances. This is how they started to acquire customers and now have regular ones. She works from 8am until noon and from 2pm until 10pm. They have a split schedule due to lunch. Her husband isn’t helping her as much now as when they started because he’s working as a taxi driver to earn more household income.

She is disabled (a handicap of her hands) which causes her to sometimes not be able to work at 100%. She has many hopes for her business which is why she wants to buy clothes and accessories to sell to her customers and have more variety of merchandise.
View original language description ↓
La cliente vive en Guayaquil, comenzó su negocio de venta de ropa con su esposo, poco a poco les ofrecieron ropa a sus vecinos, amigos, conocidos. Fue asi que fueron abriendo clientela para asi ahora tener una cartera de clientes.

Trabaja desde las 08:00am hasta las 12:00 y de 14:00 hasta las 22:00 tienen dos horarios debido al almuerzo. En la actualidad su esposo no la ayuda tanto como cuando comenzaron porque el se dedica a la profesión de taxista para tener asi mas ingreso para el hogar. Ella tiene una discapacidad en sus manos por eso en ocasiones se le hace un poco difícil trabajar al 100%.

Ella tiene muchas esperanzas en su negocio por eso quiere comprar ropa, accesorios para vender a sus clientes y asi tener mas variedad en su mercadería.

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
  • 85
    View loans »
    Ecuador Loans Fundraising
  • $25,057,850
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $900 helped this borrower to buy clothes and accessories.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
May 20, 2013
Jun 19, 2013
Currency Exchange Loss:
Jul 2, 2014