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The client lives in Guayaquil. He started his business two years ago when his aunt helped him financially in order to buy some things to have his own restaurant. Little by little, with the help of his brother because he has a car wash, he started to get income.

He currently has a restaurant where he sells lunches. His brother helps him because the car wash customers stop by to have lunch at his restaurant. He works from 5:00 a.m until 2:30 p.m. At times his difficulty is that he is PVVS (person living with HIV/AIDS). However, this does not hinder 100% performance because he has a person who cooks on the days when he is not able to tend to his business.

He has a lot of aspirations for his restaurant. Therefore, he wants to use the loan to buy an industrial stove in order to be able to cook a greater volume.
View original language description ↓
El cliente vive en Guayaquil. Comenzó su negocio hace 2 años atrás cuando su tia le ayudo financieramente para comprar algunas cosas para tener su propio restaurante. Poco a poco y con la ayuda de su hermano ya que el tiene una lavadora de carros, comenzó a tener ingresos.

En la actualidad tiene un restaurante donde vende almuerzos. Su hermano lo ayuda ya que los clientes de la lavadora de carros pasan a almorzar a su restaurantes. El trabaja desde las 05:00am hasta las 14:30pm. Su dificultad en ocasiones es que es pvvs (persona viviendo con vih sida) pero no le dificulta al 100% porque tiene a una persona que le cocina en los días que el no puede atender su negocio.

Tiene muchas aspiraciones con su restaurante por eso quiere comprar con el préstamo una cocina industrial para poder cocinar a un volumen mas alto.

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
  • 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 $1,000 helped this borrower to buy an industrial stove.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
May 20, 2013
Jun 13, 2013
Currency Exchange Loss:
Jul 2, 2014