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This client lives in Guayaquil; she’s 37-years-old. She started her business selling Yanbal products and then started to sell clothes. Analyzing the marketplace a bit she decided to sell seasonal goods because that generates more income. She likes selling and relating to people. She works alone starting at 10 in the morning and ending at 8 at night. Her business is seasonal goods sales. Her challenges are the illness she has which sometimes keeps her from being able to work; the illness she has is PVVS (patient living with HIV) and crime. She’s single and has a ten-year-old daughter attending public school.

She wants to use the loan to buy shirts and squirt guns for carnival since the beach season has begun. Her dream is that her health improves and that God gives her the opportunity to continue living and sharing with her daughter. She’d also like to have her own house and to have a chain of seasonal goods shops to employ other people in the same situation as her.
View original language description ↓
La cliente vive en Guayaquil, tiene 37 años de edad. Empezó su negocio vendiendo Yambal, después vendió ropa, analizando un poco el mercado opto por vender productos de temporadas ya que eso le genera mas ingreso, le gusta la venta y relacionarse con las personas.

Ella hace su trabajo sola y empieza desde las 10.00 de la mañana y termina a las 20:00 de la noche, el negocio es de venta de artículos de temporadas.

Su dificultad es la enfermedad que tiene el cual no le permite en ocasiones laborar ya que su enefermedad es que una paciente PVVS(paciente viviendo con VIH), y la delincuencia. Es soltera y tiene una hija de 10 añitos ella estudia en escuela fiscal.

Con el prestamo quiere comprar camisas, globos, pistolas de agua para el carnaval ya que ya es temporada de playa. Su sueño es que se pueda mejorar su salud y que DIOS le dé la oportunidad de seguir viviendo y poder compartir junto a su hija , poder tener una casa propia , tener una cadena de locales de artículos de temporadas y asi dar empleo a otras personas con la misma situación que ella.

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
  • 39
    View loans »
    Ecuador Loans Fundraising
  • $26,684,900
    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 shirts, balloons and squirt guns.
100% repaid
Repayment Term
15 months (Additional Information)
Repayment Schedule
Jan 31, 2013
Feb 27, 2013
Currency Exchange Loss:
Mar 27, 2014