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This borrower lives in Guayaquil. She started out a number of years ago selling cosmetics, and later she started to sell small household items. Thanks to God the business has done well, and she enjoys her work.

She will use this loan to buy merchandise at wholesale which she will sell with her husband. They work from 7am until 9pm. They sell a variety of items such as toasters, blenders and irons.

One difficulty she faces with her business is the fear that she will be robbed, because there are a lot of thieves in her area. Another challenge is her illness, because she is a patient living with HIV/AIDs. She is married and her husband, in addition to helping with her sales, also works as a master electrician. They have a son who is 9 years old and who attends a public school.

With this loan, she will buy kitchen appliances such as toasters, blenders, irons, etc. Her dream is to be able to enjoy her family and to have a big store where she could sell more products and also give work to more people.
View original language description ↓
La cliente vive en Guayaquil. Empezó hace varios años con la venta de cosméticos luego comenzó a vender artículos pequeños para el hogar gracias a Dios le ha ido bien le gusta lo que hace.

Compra mercadería al por mayor y la vende con su esposo trabajan de 7h00 a 21h00. Venden artículos varios como tostadores, batidores y planchos.

La dificultad que ella tiene en su negocio es el miedo a que le roben ya que hay muchos ladrones. Tambien su enfermedad ya que el es pvvs (paciente viviendo con vih sida). Si está casada su esposo a parte de la ayuda que le da vendiendo los articulos tambien es maestro electricista tiene un hijo de 9 años estudia en una escuela fiscal.

Con el préstamo va a comprar artículos de cocina como tostadoras, batidoras, planchas etc. Su sueño es poder disfrutar junto a su familia y poder tener un gran local donde pueda vender más artículos y dar trabajo a más personas

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
  • 38
    View loans »
    Ecuador Loans Fundraising
  • $26,684,900
    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 products such as toasters, blenders, irons, etc.
100% repaid
Repayment Term
15 months (Additional Information)
Repayment Schedule
Mar 28, 2013
Apr 16, 2013
Currency Exchange Loss:
Jun 7, 2014