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The client lives in Guayaquil. He started in the suburbs selling wings and kebabs. When the government decided to relocate them, they had to leave where they lived and begin a new life in another place. That is when they started to sell cosmetics, perfumes, and creams.

He works with his wife from 10:00 a.m. until 6:00 p.m. He sells cosmetics, men’s and women’s perfume, and chains, etc.

His difficulty is his health. At times it does not allow him to work normally because he is a PVVS (patient living with HIV/AIDS). He does have a wife, and she also sells cosmetics. He has a 21 year old son.

He wants to use the loan to buy cosmetics. He also wants to use the loan to set up a new chicken wings business where he is currently living.

His dream is to be able to enjoy being together with his family, to be able to put a refrigerator in his house, and, if possible, to buy a car.
View original language description ↓
El cliente vive en Guayaquil. Empezó en el suburbio vendiendo alitas y chusos, cuando el Gobierno decidio reubicarlos ellos tuvieron que salir de donde vivian y comenzar una nueva vida en otro lugar. Fue entonces cuando omenzaron a vender cosméticos, perfumes, cremas.

El trabaja con su esposa de 10h00 a 18h00 vende cosméticos perfumes de hombre y mujer, cadenas etc.
Su dificultas es su salud a veces no le permite trabajar normalmente ya que es pvvs (paciente viviendo con vih sida). Si tiene esposa ella vende tambien cosméticos. Tiene un hijo de 21 años.

Con el prestamo quiere comprar cosmeticos e instalar un negocio nuevo de alitas de pollo donde vive en la actualidad. Su sueño es poder disfrutar junto a su familia poder ponerse un frigorífico en la casa y si es posible comprarse un auto.

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
  • 40
    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 cosmetics and to set up a new chicken wings business.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Apr 28, 2013
Apr 17, 2013
Currency Exchange Loss:
Jul 2, 2014