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The client is from the Isla area of Guayaquil. She started several years ago when she set up a beauty salon. Sometime after that she was able to set up a seamstress shop where she makes sheets, t-shirts, and curtains. With this she was able to maintain and support the household expenses. She is not married, but she has a 15 year old son. In the future she wishes to enjoy good health and to have a large place where she is able to give her family everything it needs. For now, she wishes to use the loan to buy raw material to make her products.
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La cliente corresponde al sector de Isla en Guayaquil. Empezó hace varios años atrás cuando instaló un gabinete de belleza. Tiempo después pudo montar un taller de costura en el cual elabora sábanas, camisetas y cortinas. Con esto pudo mantener y sustentar los gastos de su hogar. No es casada pero tiene un hijo de 15 años. Desea a futuro poder gozar de buena salud, tener un local grande para poderle dar todo lo necesario a su familia. Por ahora desea invertir el dinero del crédito en la compra de materia prima para la confección de sus productos.

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
  • 81
    View loans »
    Ecuador Loans Fundraising
  • $25,019,100
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,600 helped this borrower to buy raw material.
100% repaid
Repayment Term
15 months (Additional Information)
Repayment Schedule
Aug 27, 2013
Sep 11, 2013
Currency Exchange Loss:
Oct 31, 2014