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This client lives in Guayaquil. She’s 38-years-old. She started her business about three years ago selling to friends because she had to be both father and mother to her children because she’s a widow. However, with God’s help doors opened for her and she was able to increase her business; she enjoys what she does. Her work is selling foam items and cushions; she works alone every day and all the time. The difficulty she has is her illness that prevents her from working for a firm and this is why she prefers to be an independent person with a business of her own. She’s a widow and has two children (one boy & one girl) attending public school. Her children are the reason she strives to move forward. (Her is in the picture and helps her with the business)

She wants to use the loan to buy foam items and cushions. Her dream is to continue moving ahead with her children and to leave something behind so her children can have what they need; she also would like to have a space at home where she can display her wares and employ others who have the same illness she has so that they can continue forward above all with God’s help.
View original language description ↓
La cliente vive en Guayaquil, tiene 38 años de edad. Ella empezó su negocio hace aproximadamente 3 años, vendiendo a sus amistades ya que tenía que hacer de padre y madre para sus hijos ya que es viuda, pero con la ayuda de Dios se le abrieron puertas y pudo aumentar su negocio, le gusta lo que hace.

Este trabajo de venta de artículos de fomix y almohadas lo realiza sola todos los día y en cada momento.
La dificultad que tiene es su enfermedad que no la deja trabajar en una empresa pero por ese motivo prefiere ser una persona independiente con su propio negocio.

Es una mujer viuda, tiene dos hijos que estudian en una escuela fiscal, sus hijos (un niño y una niña) son su esfuerzo para seguir adelante (en la foto aparece con su hija quien le ayuda en el negocio).

Con el préstamo quiere comprar fomix y almohadas. Su sueño es seguir adelante junto a sus hijos, dejar algo para que sus hijos tengan lo que necesiten, y tener un local en su casa en el cual pueda exhibir sus productos y dar trabajo a personas que tienen la misma enfermedad que ella, para que puedan seguir adelante sobre todo con la ayuda de Dios.

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
  • 39
    View loans »
    Ecuador Loans Fundraising
  • $26,686,375
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $525 helped this borrower to buy foam articles and pillows.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
Feb 5, 2013
Feb 25, 2013
Currency Exchange Loss:
Feb 25, 2014