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This client is 60 years old and lives in Guayaquil (Isla Trinitaria). She began selling headbands and bows outside of a school, but when she learned how to sew, she established a workshop and a small bazaar so that she could help her family with the expenses.

The borrower works from 9:00 A.M. to 10:00 P.M. She works in her shop and manages the bazaar by herself. The difficulties she faces with her business include having to deal with her health situation. On a few occasions, she is not able to sew, so she only looks after the bazaar. She does not have a husband or any children.

With this loan, the borrower will buy materials for her sewing workshop and merchandise for her bazaar such as stationery, notebooks, and school supplies. Her dreams for the future include being healthy, providing a better life for her family, and having a more comfortable house so that she can run her businesses.

View original language description ↓
La cliente vive en Guayaquil (isla trinitaria), ella tiene 60 años de edad. Ella empezó vendiendo binchas y moños fuera de una escuela, después aprendió a coser, y actualmente tiene un taller, y un pequeño bazar con el cual sustenta sus gastos y ayuda a su familia.

Ella trabaja de 9:00 de la mañana a las 21:00 de la noche, trabaja en el taller y atiende el bazar y lo hace sola, las dificultades que se le presentan en su negocio es la situación de su salud, ya que en ocasiones no puede cocer y solo se dedica al bazar.
Ella no tiene esposo, y tampoco tienen hijos.

Con el préstamo la clienta va a comprar materiales y artículos para su bazar como papeleria, cuadernos, utiles escolares, y también utilizara en su costura, los sueños de la clienta para el futuro son de tener salud, y poder brindar una mejor vida a su familia, y tener su casa más cómoda con sus negocios en 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
  • 73
    View loans »
    Ecuador Loans Fundraising
  • $25,580,800
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $800 helped this borrower to buy stationery, notebooks, school supplies, and sewing materials.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Mar 13, 2013
Mar 22, 2013
Currency Exchange Loss:
May 6, 2014