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The client lives in Guayaquil. Years ago he started his business by selling door to door. He sells merchandise and stationery products like toys, notebooks, and household items, etc. Little by little he was increasing his business, and he now has established customers.

He works every day selling notebooks for $1.25, puzzles for $1.50, and toys for $1.25. He has a lot of aspirations with his business. Therefore, he wants to continue. In spite of his illness, he is a PVVS (person living with HIV/AIDS), he wants to get ahead working and improving his finances (he is transexual).

The loan that he is requesting is to buy miscellaneous goods like notebooks, pens, clothes, and household items, etc. He has a lot of aspirations to get ahead and enjoy his family. In the future he would like to have a place to sell his merchandise.
View original language description ↓
El cliente vive en Guayaquil, empezó su negocio hace años atrás vendiendo puerta a puerta la mercadería y papelería como juguetes, cuadernos, artículos de hogar etc. Poco a poco fue incrementando su negocio hasta ahora que tiene ya clientes establecidos.

Trabaja todos los días vendiendo cuadernos a $ 1.25, rompecabezas a $ 1.50, juguetes a $ 1.25. El tiene muchas aspiraciones con su negocio por eso quiere continuar. A pesar de su enfermedad ya que el es pvvs (persona viviendo con vih sida) el quiere seguir adelante trabajando y mejorar su economía (es transexual).

El préstamo lo esta solicitando para comprar artículos de bazar, como cuadernos, plumas, ropa, artículos de hogar etc. Tiene muchas aspiraciones de seguir adelante disfrutar de su familia y quisiera en el futuro tener un local para vender su mercadería.

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
  • 62
    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 notebooks, pens, clothes, and household items.
100% repaid
Repayment Term
15 months (Additional Information)
Repayment Schedule
May 28, 2013
Jun 12, 2013
Currency Exchange Loss:
Aug 2, 2014