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The client lives in Guayaquil. He started with a small business in the corner of his house. Then his father helped him with a pickup truck, distributing the sausages and cheese. He was increasing his business little by little.

He now likes what he does because he has had good income. He works alone from 6:00 a.m. until 6:00 p.m. His work is delivering and selling dairy products in the stores. He also sells eggs and cheese. His difficulty is when he suffers relapses with his illness he is not able to work. He is a PVVS (patient living with HIV/AIDS). He is married, but he does not have children.

He will use the loan to buy cheese and eggs.

His dream is to enjoy being together and sharing with his family. He also dreams of being able to have his own house and a pickup truck in order to distribute his products.
View original language description ↓
El cliente vive en Guayaquil. Empezó con un pequeño negocio en la esquina de su casa luego el padre lo ayudo en una camioneta distribuyendo los embutidos y queso. Poco a poco incremento su negocio ahora le gusta lo que hace ya que a tenido buenos ingresos.

Trabaja solo desde las 6h00 hasta las 18h00. Su trabajo es de repartir y vender lacteos en las tiendas tambien vende huevo, queso. Su dificultad es cuando sufre recaídas por su enfermedad no puede trabajar ya que el es pvvs (paciente viviendo con vih sida), si es casado, no tiene hijos.

Con el préstamo va a comprar queso y huevo. Su sueño es disfrutar junto a su familia compartir juntos y poder tener una casa propia y una camioneta para poder distribuir los productos.

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
  • $25,580,800
    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 cheese and eggs.
100% repaid
Repayment Term
13 months (Additional Information)
Repayment Schedule
Mar 22, 2013
Apr 19, 2013
Currency Exchange Loss:
Mar 27, 2014