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This client lives in Guayaquil. She is 56 years old and says that her brother started a restaurant, but he was not able to continue the business when his health started to deteriorate. The borrower got into the food business when she took over the restaurant. With her brother’s supervision, the business has done well. They have been able to acquire many customers and now have become well-known for the exquisite flavor of their food.

The borrower manages the restaurant with her brother. She says that her brother is an HIV patient. When his health is in decline, she says that they are not able to manage the restaurant. No one is available to cook, so therefore they lose customers and money. The borrower is not married and has no children.

With this loan, she will buy supplies such as basic grains, vegetables, fruits, and other items so that she can increase the number of dishes offered. Her dreams include continuing with her life, being with her family, expanding the business, acquiring more customers, and having a better quality of life.

View original language description ↓
La cliente, vive en Guayaquil. Ella tiene 56 años de edad, nos cuenta que su hermano empezó con el restaurante, pero por el motivo del deterioro de su salud ya no pudo seguir al mando del negocio. fue entonces que ella comenzo con el negocio de venta de comida, encargándose de lo administrativo, y su hermano de la supervisión del negocio les ha ido bien, y han logrado conseguir mucha clientela y ser reconocidos por el sabor esquisito de su comida.

Ella trabaja en un restaurante junto con su hermano. La clienta nos cuenta que su hermano tiene Pvvs (paciente viviendo con vhi sida), Y que cuando el decae no pueden atender en el restaurante, y no pueden cocinar y pierden clientela y dinero. La clienta no está casada, no tiene hijos.

Con el préstamo ella va a comprar materia prima para así poder incrementar los platos granos, verduras, frutas, etc. Sus sueños son: primero seguir con su vida, estar junto a su familia, incrementar el negocio y tener más clientela y tener una mejor calidad de vida.

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
  • 30
    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 $600 helped this borrower to buy basic grains, vegetables, fruits, and other supplies.
100% repaid
Repayment Term
15 months (Additional Information)
Repayment Schedule
Feb 28, 2013
Mar 21, 2013
Currency Exchange Loss:
May 6, 2014