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This borrower lives in Guayaquil. He started selling rechargeable phone cards from home, but later began selling them in the central part of the city. The borrower would like to continue his business of selling rechargeable phone cards since he earns $25 from the sale of each card. On a given day, he can approximately 300 rechargeable phone cards. He also sells household goods to friends and relatives.

The difficulty he faces occasionally is not being able to work in a proper manner because of his illness. He is an individual who lives with HIV/AIDS. The borrower is single and has no children. With this loan, he will buy rechargeable phone cards and household goods. His dream is to have an accessories and rechargeable phone card shop where he can sell his products. He also wants to enjoy being with his family.
View original language description ↓
El cliente vive en Guayaquil. Empezó en su casa vendiendo recargas telefonicas, luego comenzó a vender en el centro de la ciudad y le gusto tanto que continuo con el negocio de venta de recargas telefonicas ya que cada recarga el gana $25.00 y el hace al dia un aproximado de 300 recargas, también a los amigos y familiares les vende artículos de hogar.

La dificultad que el tiene es la a veces su enfermedad que no la deja laborar de la manera correcta ya que el es pvvs (persona viviendo con vih sida).

Es soltera, no tiene hijos. Con el préstamo quiere comprar recargas y artículos para el hogar. Su sueño es tener un local con accesorios y recargas poder vender sus productos y disfrutar junto a su familia.

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
  • 33
    View loans »
    Ecuador Loans Fundraising
  • $26,524,625
    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 household goods and rechargeable phone cards to sell.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Apr 17, 2013
May 21, 2013
Currency Exchange Loss:
Jun 7, 2014