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This borrower lives in Guayaquil. She started out traveling by tricycle through Cristo del Consuelo, selling household goods. Gradually over time, she began enjoying making sales. Thanks to God, she has been able to support herself. The borrower works alone from 9:00 A.M. to 6:00 P.M.

She faces difficulty on occasion with her health when she goes into relapse. This requires her to take a rest. The borrower is a person who is living with HIV/AIDS. Her other difficulties include customers who request credit for their products and don’t pay.

The borrower is not married and has no children. She will use her loan to buy goods such as clothing, cookware, spoons, and fans. Her dreams include having a retail shop, enjoying moments with her family, and providing jobs to other people who are in the same condition as her.

View original language description ↓
La clienta vive en Guayaquil. Empezó recorriendo en un triciclo por el Cristo del consuelo vendiendo articulos de hogar, despues poco a poco le gusta las ventas le da gracias a Dios ya que con eso se mantiene. Trabaja sola de 9h00 a 18h00.

Su dificultad es que en ocasiones recae en su salud y se queda reposando ya que ella es pvvs (persona viviendo con vih sida). Otras de de las dificultades son los cientes que piden a crédito por los productos y no pagan.

No es casada, ni tienen hijos. Con el préstamo quiere comprar artículos como ropa, ollas, cucharas, ventiladores. Su sueño es tener un local comercial disfrutar junto a su familia y darles trabajo a personas que estén en las mismas condiciones que ella.

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
  • 60
    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 $1,000 helped this borrower to buy clothing, cookware, spoons, and fans.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Apr 19, 2013
Apr 29, 2013
Currency Exchange Loss:
Jul 2, 2014