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This client is 49 years old and lives in Guayaquil. She says that she began working 10 years ago so that she could earn extra income for her family. She chose to sell cosmetics through catalogs because it seemed interesting and for what it could offer her.

The borrower is a small businesswoman who sells cosmetics, perfumes, and crèmes. She has difficulty moving around because she has suffered from poliomyelitis for the past three years. This disease impedes her work on a routine basis, so she must get around in a wheelchair.

The borrower is married and her husband works as a taxi driver. They have a son who attends a state school. With this loan, she will buy products such as crèmes, perfumes, and cosmetics so that she can increase her business. Her dreams for the future include opening a large bazaar in her house and using the profits to pay for a private university education for her son.

View original language description ↓
La clienta vive en Guayaquil. Ella tiene 49 años de edad. Ella nos comenta que empezó con esta labor hace 10 años para así poder tener ingresos económicos extras para su familia, lo escogió porque se lo ofrecieron y le pareció interesante, se dedica a venta de cosmeticos por revitas.

Ella se dedica al comercio minorista de cosmeticos, perfumes, cremas. La clienta tiene dificultades al movilizarse porque desde la edad de 3 años sufre de Poliomielitis, lo que le impide realizar su trabajo con normalidad ya que esta en sillas de ruedas.

Ella está casada, su esposo es taxista. Tienen un hijo, y estudia en escuela fiscal. Con el préstamo ella desea comprar productos para incrementar su negocio como cremas, perfumes, cosmeticos.

El sueño de la clienta para un futuro, es tener su negocio propio un bazar grande en su casa para con ese dinero poder pagarle una universidad privada a 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 $900 helped this borrower to buy crèmes, perfumes, and cosmetics.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Mar 13, 2013
Mar 21, 2013
Currency Exchange Loss:
May 6, 2014