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This borrower lives in Guayaquil. She began selling spices in the northwestern part of the city. She later moved to the suburbs and was able to grow her clientele. The borrower sells spices such as aji chili peppers, garlic, MSG, and salt.

Her difficulty is whenever she has a relapse of her illness. The borrower is a person living with HIV/AIDS. She must also deal with the presence of crime in the area where she has her business.

The borrower is single and has no children. She will use this loan to buy spices. Her dreams include enjoying the company of her loved ones, selling spices to more people, and having a house of her own.

View original language description ↓
La clienta vive en Guayaquil. Empezó vendiendo especies en el norte oeste de la ciudad, luego se cambio al suburbio y a podido crecer su clientela a quienes le vende los especies como aji, ajo, ajinomoto, sal.

Su dificultad es cuando tiene recaídas producto de su enfermedad ya que ella es pvvs (personas viviendo con vih sida) y la delincuencia q hay en el sector donde tiene su negocio.

Es soltera, no tiene hijos. Con el préstamo quiere comprar especies. Su sueño es disfrutar a sus seres queridos y distribuir las especies a más personas , tener una casa propia.

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
  • 29
    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 $600 helped this borrower to buy spices such as aji chili peppers, garlic, MSG, and salt.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Apr 11, 2013
Apr 30, 2013
Currency Exchange Loss:
Jun 7, 2014