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The client lives in Guayaquil. She started her business by cooking for her neighbors. Little by little, her income was improving. Therefore, she started to sell other types of lunches.

She currently has a restaurant where she sells lunches for $2.25 each. She works from 10:00 a.m. until 3:00 p.m. every day. She has a lot of aspirations with her business. That is why she wants to continue working, even though one of her difficulties is that she is a PVVS (person living with HIV/AIDS).

She wants to continue increasing her income. That is why she wants to use the loan to buy supplies in order to be able to make varied lunches. She will buy vegetables, meat, and grains, etc.

In the future she wants to get ahead with her business. With God’s help she wants to be healthier. This way she will be able to help her family.
View original language description ↓
La cliente vive en la ciudad de Guayaquil. Comenzó su negocio cocinando para sus vecinos. Poco a poco fue mejorando sus ingresos es por eso que comenzó a vender otros tipos de almuerzos.

En la actualidad tiene un pequeño restaurante donde vende los almuerzos a $ 2.25 c/u. Trabaja desde las 10:00am hasta las 15:00pm todos los días. Tiene muchas aspiraciones con su negocio por eso quiere seguir trabajando aunque una de sus dificultades es que es pvvs (persona viviendo con vih sida).

Quiere seguir incrementando sus ingresos por eso quiere comprar con el préstamo víveres para poder hacer almuerzos variados comprando legumbres, carnes, granos, etc. En su futuro quiere seguir con su negocio y con la ayuda de Dios tener mas salud y poder así ayudar a su familia.

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
  • 69
    View loans »
    Ecuador Loans Fundraising
  • $24,577,575
    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 vegetables, meat, and grains, etc.
100% repaid
Repayment Term
15 months (Additional Information)
Repayment Schedule
May 28, 2013
Jun 14, 2013
Currency Exchange Loss:
Aug 2, 2014