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Marcos, age 41, lives in Guayaquil. He is a single man and has no children. He started with his business when he learned how to stamp shirts. He sold them to the people who went to the same church that he did. Little by little, his sales grew, and he started to sell the shirts that he stamped to people in other areas and institutions.

He currently continues with his business of stamping shirts. However, one of his difficulties is that his illness is PVVS (patient living with HIV/AIDS). The odor from the paint when stamping the shirts weakens him, since his illness causes his defenses to go down. He works from 12:00 p.m. until 6:00 p.m.

Marcos has a great desire to continue with his business. He wants to use the loan to buy shirts to stamp, paints, and stamping blocks.

His words were:
"I hope to continue having God's help and blessing to be able to continue moving forward in spite of my health, and in this way have a formal workshop and give work to my friends and colleagues who are in the same situation as I am. I know that if I can continue moving forward - and one always must believe in a tomorrow - that there is hope to be able to enjoy one more day with my family."
View original language description ↓
El cliente vive en Guayaquil, tiene 41 años. Es un hombre soltero y sin hijos. El comenzó con su negocio cuando aprendió a estampar camisas, las mismas que las vendía a las personas que asistían a la Iglesia con él. Poco a poco crecieron sus ventas y comenzó a vender las camisas que el estampaba a otras personas del sector y a Instituciones.

En la actualidad sigue con su negocio de camisas estampadas pero una de sus dificultades es su enfermedad es PVVS (paciente viviendo con VIH sida), ya que al estampar las camisas el olor de la pintura lo debilita, ya que por su enfermedad esta propenso a que sus defensas bajen. Por eso su trabajo lo realiza desde las 12:00 hasta las 18:00.

Marcos tiene muchas ganas de seguir con su negocio por eso el quiere comprar con el prestamo camisas para estampar, pinturas, moldes.

Las palabras del cliente en la visita fueron:

Yo espero seguir teniendo la ayuda y bendicion de Dios para poder continuar adelante a pesar de su salud y asi tener un taller formal y poder dar trabajo a mis amigos y compañeros que estan pasando por lo mismo que yo, yo se que si se puede seguir adelante, y siempre hay que confiar que hay un mañana, hay una esperanza, para poder disfrutar un dia mas con mi 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
  • 67
    View loans »
    Ecuador Loans Fundraising
  • $26,542,600
    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 t-shirts, paint, and stamping blocks.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Jan 8, 2013
Jan 28, 2013
Currency Exchange Loss:
Feb 25, 2014