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This borrower lives in Guayaquil. She started her store with few groceries, but she gradually increased her business with the help of her husband (who also appears in the photo). They work every day, beginning in the early morning hours, and continue until nightfall when they close the shop. Her store is stocked with food items such as rice, grain, canned goods, candy, and other products.

One of the difficulties in her business is dealing with traffic, since it makes it hard to sell groceries. The borrower is married and her husband is a master bricklayer. They have four children, one of whom suffers from a disability.

The borrower has many aspirations for her family, so she wants to continue working in order to improve her business and provide the best for her children. Her loan will be used to improve the space where she has her store. She will buy cement, bricks, and paint since this improvement will help her provide better service to her customers. In the future, she wants to complete the physical improvements to her shop and provide the best for her family.

View original language description ↓
La cliente vive en Guayaquil. Comenzó su tienda con pocos víveres, poco a poco fue incrementando su negocio con la ayuda de su esposo (el aparece en la foto). Trabajan todos los días desde muy temprano hasta la noche que cierran el local. En su tienda tiene víveres como arroz, granos, enlatados, confites etc.

Una de las dificultades de su negocio el transito ya que le dificulta la venta de los víveres. La cliente está casada su esposo es maestro albañil, ellos tienen 4 hijos, uno de sus hijos tiene un problema de discapacidad.

Ella tiene muchas aspiraciones con su familia por eso quiere seguir trabajando para mejorar su negocio y darle lo mejor a sus hijos. El préstamo lo usara para mejorar el local donde tiene su tienda, comprando cemento, ladrillos, pintura y así darles una mejor atención a sus clientes. En el futuro quiere terminar el local de su negocio y darle lo mejor a su familia.

Additional Information

More information about this loan

This loan is for a Kiva borrower living with a disability. 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 disabled 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
  • 73
    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 $2,475 helped this borrower to buy construction materials for making physical improvements to her store.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Mar 24, 2013
Apr 25, 2013
Currency Exchange Loss:
Oct 31, 2014