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The client lives in Guayaquil. She is an enterprising woman because she started her business of selling jewelry years ago. She did this in order to be able to help her son because she is a single mother. With a small amount a capital she had she, little by little, started her business of selling jewelry.

She now has merchandise (as seen in the photo), but she needs more in order to have greater variety to sell to her customers. One of her difficulties is that her son has a disability that does not allow her to work at 100%.

She has a lot of aspirations for her business. Therefore, she wants to buy more jewelry because she wants to give the best to her son with more income.
View original language description ↓
La cliente vive en Guayaquil. Ella es una mujer emprendedora porque comenzó hace años atras con su negocio de venta de joyas, para poderle dar lo mejor a su hijo ya que es madre soltera. Poco a poco con un pequeño capital que tenia comenzó su negocio de venta de joyas.

En la actualidad tiene mercadería (como aparece en la foto) pero necesita mas para tener mas variedad y así venderle a sus clientes. Una de sus dificultades es que su hijos padece de discapacidad que no le permite trabajar al 100%.

Tiene muchas aspiraciones en su negocio por eso quiere comprar mas joyas ya que quiere darle lo mejor a su hijo con mas ingresos económicos.

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
  • 31
    View loans »
    Ecuador Loans Fundraising
  • $26,538,950
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $675 helped this borrower to buy jewelry.
100% repaid
Repayment Term
15 months (Additional Information)
Repayment Schedule
May 31, 2013
Jun 8, 2013
Currency Exchange Loss:
Aug 2, 2014