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The client lives in Guayaquil and is 35 years old. She started her business selling cosmetics after the death of her husband.

The way she increased her sales was that her friends supported her by buying products. Later, it was by going door-to-door and promoting her products more to customers and other people. With the money from the orders she pays for the household expenses, and she likes what she does.

She carries on her business alone, selling her products from 9:00 in the morning until 7:00 in the evening. She is not married and has a 14-year-old son who goes to public school. She thinks a great deal about her illness, as sometimes it affects her so much that she can't get out of bed.

With the loan she wants to buy creams, clothing and cosmetics, in order to increase her sales. In the future she wants to be able to have her own house and to have a shop, so that she can give work to people who need it.
View original language description ↓
La cliente vive Guayaquil, tiene 35 años de edad. Ella empezó su negocio vendiendo cosmeticos después de la muerte de su esposo. El proceso de incrementar sus ventas fue que sus amistades la apoyaron comprándole productos, después fue visitando casa por casa y promocionando más sus productos a las personas y clientes y con el dinero de los pedidos paga los gastos del hogar, le gusta lo que hace.

Ella realiza su negocio sola desde las 9:00 de la mañana hasta las 7:00 de la noche vendiendo sus productos. No está casada, tiene un hijo de 14 años de edad que estudia en un colegio fiscal. Ella piensa mucho en su enfermedad ya que en ocasiones le afecta tanto que no puede levantarse de la cama.

Con el préstamo quiere comprar cremas, ropa, cosmeticos para incrementar sus ventas. En el futuro quiere poder tener su casa propia, tener un local comercial para darles empleo a personas que lo necesitan.

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
  • 41
    View loans »
    Ecuador Loans Fundraising
  • $26,542,600
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $600 helped this borrower to buy creams, clothing and cosmetics.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Feb 8, 2013
Mar 9, 2013
Currency Exchange Loss:
Mar 27, 2014