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This borrower lives in Guayaquil. He started out as an assistant at a hair salon, but later he became a specialist. Now he has celebrity clients that he serves and they are satisfied with his work.

The borrower works on his own from 10:00 A.M. to 8:00 P.M. He experiences difficulty during the winter because the chemicals used during that time are harmful to him. On occasion he is not able to work because he is a patient living HIV/AIDS.

With this loan, he will buy dyes, furnishings, curling irons, and cosmetics. His dream is to first acquire a home of his own and then get a larger shop, start a family and provide them a good quality of life, and provide jobs to others who are in a similar situation.

View original language description ↓
El cliente vive en Guayaquil. El empezó como ayudante en una peluquería luego se especializo y ahora tiene clientes de farándula a los cuales lo atiendo y quedan satisfechos con su trabajo.

El trabaja solo de 10h00 a 20h00. Su dificultad es que cuando es el invierno los químicos le hacen daño y en ocasiones no puede trabajar ya que el es PVVS (paciente viviendo con Vih Sida). No es casado ni tiene hijos.

Con el préstamo va a comprar tintes, muebles, planchas, cosmeticos. Su sueño es tener primero su casa propia, tener un local grande, formar una familia y darles una buena calidad de vida y darles trabajo a otros en la misma situación.

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
  • 71
    View loans »
    Ecuador Loans Fundraising
  • $25,584,275
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,200 helped this borrower to buy dyes, furnishings, curling irons, and cosmetics.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Apr 8, 2013
Apr 18, 2013
Currency Exchange Loss:
Jun 7, 2014