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This borrower lives in Guayaquil. He started a shoe sale business at the age of 15 since he learned this trade from his father. The borrower works alone making shoes and then markets and sells his goods with the help of his relatives.

The borrower has a disability as a result of poliomyelitis, a disease that destroys the neurons and causes muscular weakness. It primarily affects the nervous system and impedes any improvement in mobility.

The borrower is separated from his wife, but he takes care of their son who is attending a state school. His son gives him the strength to continue working and not quit. He is requesting a loan to buy insoles, fabrics, and thread. This will enable him to generate more income so that he can improve the way of life for himself and his son.

View original language description ↓
El cliente vive en Guayaquil. El empezó un negocio de venta de calzado desde los 15 años de edad, la actividad la aprendió desde que era joven del papá. Esta elaboración de calzado la realiza solo y la comercialización o venta del zapato lo realiza con sus familiares.

El cliente tiene una discapacidad que es Poliomielitis es una enfermedad que destruye las neuronas, causa debilidad muscular, afecta principalmente al sistema nervioso y esto le impide movilizarse mejor.

El cliente se encuentra separado de su esposa pero tiene a su cargo a su hijo que estudia en una escuela fiscal, su hijo es su esfuerzo para seguir trabajando y no darse por vencido.

El cliente solicita de este préstamo plantillas, telas, hilos, para así obtener mayores ingresos de dinero y para mejorar el cambio de vida tanto de él como la de su hijo.

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
  • 40
    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 $650 helped this borrower to buy insoles, fabrics, and thread.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Jan 23, 2013
Feb 27, 2013
Currency Exchange Loss:
Feb 25, 2014