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Erwin Ruben
Erwin was born in Guayaquil, and he is 28 years old. He is from the commune of Puerto del Morro Inca (in Playas). For 11 years, he has been working selling fish and seafood.

He works selling fish Mondays through Saturdays from 9am until 5pm. He is married and has 3 children who attend a private school. His wife devotes her time to the household chores.

With this loan, he needs to buy medicines and medical treatments for his family, because he wants them to be in good health, as they are his daily motivation in life.
View original language description ↓
Erwin nació en Guayaquil tiene 28 años. El cliente es oriundo de la Comuna del Puerto del Morro Inca (en Playas) que desde hace 11 años trabaja en la pesca y comercialización de mariscos.

Trabaja de lunes a sábado desde las 9:00am hasta las 5:00pm. En la venta de pescado. El cliente está casado, tiene tres hijos que estudian en una escuela particular y su esposa se dedica a los quehaceres domésticos.

Con el préstamo requiere comprar medicinas y tratamiento medico para su familia, ya que el quiere que ellos esten con buena salud porque son su incentivo diario.

Additional Information

More information about this loan

This loan is for a Kiva borrower to pay for medical treatment. These borrowers face higher 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 borrowers with health conditions 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
  • 59
    View loans »
    Ecuador Loans Fundraising
  • $26,742,700
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $325 helped Erwin Ruben to buy medicines and medical treatments.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Jan 15, 2013
Feb 19, 2013
Currency Exchange Loss:
Aug 17, 2013