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The client lives in Guayaquil. He started his business of selling school supplies years ago. Little by little his income was improving. Due to the sales, he started to improve his merchandise.

He currently works from 6:30 a.m. until 9:00 p.m. every day. He sells stationery items and school supplies in a small business that he has. He sells notebooks for $1.50 each. The difficulty that he has is that he is PVVS (person living with HIV/AIDS).

He has a lot of aspirations to continue with his business. Therefore, he wants to use the loan to buy school supplies for the current school season.
View original language description ↓
El cliente vive en Guayaquil. Comenzó su trabajo hace años atrás con la venta de útiles escolares. Poco a poco mejorando sus ingresos debido a las ventas comenzó a mejorar su mercadería.

En la actualidad trabaja desde las 06:30am hasta las 21:00pm todos los días vendiendo papelería y útiles escolares en un pequeño negocio que tiene. Vende los cuadernos a $ 1.50 c/u. La dificultad que tiene es que es Pvvs (persona viviendo con vih sida).

El tiene muchas aspiraciones de continuar con su negocio por eso quiere comprar el préstamo útiles escolares por la epoca de escolaridad que esta de temporada.

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
  • 74
    View loans »
    Ecuador Loans Fundraising
  • $24,616,300
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $600 helped this borrower to buy school supplies.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
May 15, 2013
Jun 13, 2013
Currency Exchange Loss:
Jul 2, 2014