Update on Lorena MaribelThe client lives in the city of Playas. She is an enterprising woman who has a clothing and cosmetic business. Her business has served to produce income to support her children because she is separated from her husband.
She works everyday from 9:00 a.m. until 5:00 p.m. She has a son who studies in a public school. One of the difficulties in conducting business as usual is that she is PVVS (a person living with HIV/AIDS.)
She has many aspirations in her business and wants to continue working. She will use her loan to buy clothes and cosmetics to sell and increase her merchandise.
Ella trabaja todos los dias desde las 09:00am hasta las 17:00pm, tiene un hijo que estudia en una escuela fiscal. Una de sus dificultades para realizar su negocio con normalidad es que ella es pvvs (persona viviendo con vih sida).
Ella tiene muchas aspiraciones en su negocio por eso quiere seguir trabajando y con el préstamo quiere comprar ropa y cosméticos para vender y tener mas mercadería.
Previous Loan DetailsThe borrower is 37 years old and single. She is divorced and has two children. She started as a result of the separation from her ex-husband. She started off with a very small amount of merchandise, and now has a clothing stand. Therefore she wants to hire more employees for her business. Her… More from Lorena Maribel's previous loan »
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-MIROBanco 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.
Concurrent and Successive Loans
Our Field Partners often work with borrowers over a series of loans as the borrowers build credit, take out bigger loans, and expand their businesses. In order to make it easier for our Field Partners to post loans for borrowers who have been listed on Kiva before, we allow them to post successive and concurrent loans for their Kiva borrowers. This means that our Field Partners are able to post a borrower's second, third, etc., loan on Kiva without having to re-enter all of the borrower's information.
This borrower has been listed on Kiva before, so you'll see an updated loan description, as well as excerpts of the original descriptions from earlier loans. Most borrowers take out loans consecutively, meaning that they receive a second loan after having repaid the first. However, sometimes our Field Partners give out concurrent loans, allowing borrowers to take out one primary loan and a secondary "add-on" loan along with it. These "add-on" loans are typically smaller than the borrower's primary loan and serve a different purpose. Because Field Partners can now post loans as successive and concurrent loans, you will be able to track borrower progress over time and see the various ways a borrower is working with our Field Partners through funds from Kiva’s lenders.
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