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The borrower lives in Guayaquil and is 33 years old. He began selling items for the home many years ago, but later fell seriously ill and because of his condition began to draw down the household income. He began to take natural products for his health and then began to sell them to family members and friends.

He sells his natural products on his own and does it from 9:00 in the morning until 7:00 in the evening. The difficulty that arises in his work is his illness, which does not allow him to carry on his work normally, as he is a person living with HIV/AIDS. He is not married, nor does he have children.

He will use the loan to buy natural products to sell them to his friends and acquaintances. He wishes in the future to be able to expand his business to create a natural products sales network, so that he can give work opportunities to more people who have the same problem as him. He wants to remain with his family and be able to have a better quality of life.
View original language description ↓
El cliente vive en Guayaquil. El tiene 33 años de edad. El empezó hace muchos años vendiendo artículos para el hogar, pero después cayó gravemente enfermo y por su condición empezaron a bajar los ingresos al hogar. El comenzó a tomar productos naturales por su salud y luego empezó a vendérselas a sus familiares y amigos.

El vende sus productos naturales solo y lo realiza, desde las 9:00 de la mañana hasta las 19:00 de la noche. La dificultad que se le presenta en su trabajo es su enfermedad la cual no le permite realizar su trabajo con normalidad ya que es pvvs (paciente viviendo con Vih Sida). El no está casado, y tampoco tiene hijos.

El usara el préstamo para comprar productos naturales para venderlos a sus amistades y amigos. El desea para el futuro poder ampliar su negocio crear una red de venta de productos naturales, para dar oportunidad de trabajo a más personas que tienen el mismo problema que el, quiere permanecer junto a su familia y poder tener una mejor calidad de vida.

Additional Information

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 $800 helped this borrower to buy natural products.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Mar 11, 2013
Apr 2, 2013
Currency Exchange Loss:
May 6, 2014