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This borrower lives in Guayaquil. She began selling household goods to her friends, but later on she began selling at the market. This enabled her to build up capital so that she could buy merchandise. She enjoys her job and works alone from 9:00 A.M. to 8:00 P.M.

The borrower sells household goods. These include toasters that she buys for $15 and sells for $24, mixers that she buys for $16 and sells for $25, and cookware that she buys for $22 and sells for $35. Her illness does not allow her to work at her business on a normal basis. She is a patient who is living with HIV/AIDS. The borrower is not married and has a one-year-old child.

With this loan, she wants to buy household goods such as mixers, blenders, and other electric appliances so that she can generate more profit from her sales. Her dreams include expanding and building a network of salespeople, spending time with her family, and providing them with a decent life.

View original language description ↓
La cliente vive en Guayaquil. Empezó vendiendo a sus amigos los articulos de hogar, luego comenzó a vender en el mercado y pudo capitalizarse y comprar los artículos para el lugar le gusta su trabajo. Trabaja sola de 9h00 a 20h00.

Vende artículos de hogar como tostadoras las comprar a $15 y las vende a $24, batidoras las comprar a las $16 y las vende a $25, ollas las comprar a $22 y las vende a $35. Su enfermedad no le permite trabajar normalmente en negocio ya que ella es pvvs (paciente viviendo con vih sida). No es casada, tiene un hijo de 1 año.

Con el prestamo quiere comprar articulos de hogar como batidoras, licuadoras, electrodomesticos para asi tener mas ingresos con las ventas. Su sueño es poder expandir y tener una red de vendedores compartir junto a su familia y darles una vida digna

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
  • 32
    View loans »
    Ecuador Loans Fundraising
  • $26,524,625
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $525 helped this borrower to buy mixers, blenders, and other appliances.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
Mar 22, 2013
Apr 17, 2013
Currency Exchange Loss:
Feb 25, 2014