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This client is 26 years old and lives in Guayaquil. She started out selling cosmetics, but later began offering clothes to her customers. They placed a good number of orders with her, so she did very well. She continues to sell clothes for women, men, and children and is able to maintain her business.

The borrower sells clothes by herself from 10:00 A.M. to 8:00 P.M. She experiences difficulty with her work, especially when her illness forces her to remain in bed. She is not able to work some days because she is a patient living with HIV. The borrower does not have a husband or any children.

With this loan, the borrower will buy clothing for children, women, and men that she can sell in her business. Her dreams and goals for the future are to continue being with her family, to enjoy the beauty of life with them, to own a shop where she can sell clothes more comfortably, and to provide jobs to people who are in a similar situation.

View original language description ↓
La cliente vive en Guayaquil, ella tiene 26 años de edad. Ella empezó vendiendo cosméticos, luego les ofrecía ropa a sus clientes, como le hacían bastantes pedidos y le fue bien, y desde ahí se ha mantenido vendiendo la ropa, las siguió vendiendo, ella vende ropa para: damas, caballeros, y niños. Y con este negocio a podido sustentarse.

Ella realiza la venta de la ropa sola, desde las 10:00 de la mañana hasta la 20:00 de la noche. Tiene una dificultad en su trabajo, es su enfermedad ya que cuando recae tiene que permanecer en cama, y en esos días no puede trabajar ya que ella es pvvs (paciente viviendo con VHI SIDA.Ella no tiene esposo, ni tampoco tiene hijos.

Con el préstamo ella va a comprar ropa de niño, de mujeres, de hombres, para la venta de su negocio. Las metas o sueños de ella para el futuro son, de seguir junto a su familia, disfrutar junto a ellos lo bello de la vida, desea tener un local en el cual pueda vender su ropa con más comodidad, poder dar empleo a 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
  • 42
    View loans »
    Ecuador Loans Fundraising
  • $26,538,950
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,000 helped this borrower to buy clothes for men, women, and children.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Mar 12, 2013
Mar 23, 2013
Currency Exchange Loss:
May 6, 2014