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The client was born in Guayaquil. He was a bricklayer. However, in order to improve his income he started a business of selling juices and tostadas. He has had this business activity for 12 years.

He has a stand along an important part of the Perimetral Highway where there are a lot of people passing by. This is because it is a main street. This business activity has allowed him to improve his income and that of his family. He does this work together with his wife from six in the morning until four in the afternoon.

He has a daughter with a hearing impairment. She is now receiving treatment, and he works every day in order to give his daughter a better opportunity. The client also supports his granddaughter, and he paid for her education.

He wants to continue helping his daughter and his family. Therefore, he wants to use the loan to buy fruits, breads, and a juice machine. The goals or dreams of the client are to have a least two more juice carts and to continue building his home.
View original language description ↓
El cliente nació en Guayaquil. El cliente era albañil pero para mejorar sus ingresos comenzo con un negocio de venta de jugos y tostadas. Ya tiene 12 años en esta actividad, tiene un puesto en la principal de la perimetral donde hay mucha fluides de personas ya que es una calle principal, esta actividad le ha permitido mejorar sus ingresos y los de su familia.

Esta actividad la realiza junto a su esposa desde las seis de la mañana hasta las cuatro de la tarde.
Tiene una hija con discapacidad auditiva que en este momento se encuentra en tratamiento por eso el trabaja todos los dias para darle una mejor oportunidad a su hija. El cliente también mantiene a su nieta y le pago los estudios.

El quiere seguir ayudando a su hija y a su familia por eso quiere comprar con el prestamo frutas, panes, maquina para juagos. Las metas o sueños del cliente es tener por lo menos dos carretas mas de jugos y seguir construyendo vivienda.

Additional Information

More information about this loan

This loan is for a Kiva borrower living with a disability. 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 disabled 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
  • 73
    View loans »
    Ecuador Loans Fundraising
  • $25,580,800
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $900 helped this borrower to buy fruits, breads, and a juice machine.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Jan 18, 2013
Feb 25, 2013
Currency Exchange Loss:
Jan 18, 2014