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The client lives in the city of Guayaquil. He started two years ago with a small car wash. He started with help from his aunt who helped him financially. He did this because he needed an income in order to be able to support his family. Little by little, he was improving the services he provided. He was washing the cars that passed by the small place that he was able to rent for his washing services.

He currently works from 8:00 a.m. until 10:00 p.m. every day. He charges $4.00 to wash each car, and he charges more for other than the basic wash. One of the difficulties that he has is that he is a PVVS (person living with HIV/AIDS). However, in spite of his illness, he is a very enterprising young man who wants to continue making progress.

He wants to use the loan to buy materials like cement, metal, and stones in order to build an oil change station at his car wash. This way he will provide his customers with better services.
View original language description ↓
El cliente vive en la ciudad de Guayaquil. Empezó hace dos atrás con una pequeña lavadora de carros. Comenzó con la ayuda de su tía quien lo ayudo a financiarse ya que el necesitaba un ingreso para poder mantener a su familia. Poco a poco fue mejorando los servicios que daba lavando los carros que pasaban por el pequeño local que pudo alquilar para su lavandería.

En la actualidad el trabaja desde las 08:00am hasta las 22:00pm todos los días. Cobrar por cada lavada de carros un valor de $ 4.00 y según sea el lavado cobrar un aumento al pago original. Una de las dificultades que tiene es que a su edad es pvvs(persona viviendo con vih sida) pero a pesar de su enfermedad el es un joven muy emprendedor que quiere seguir progresando.

El con el préstamo quiere comprar materiales como cemento, metal, piedras para construir en una parte de su lavanderia de carros una lubricadora y asi darle mejor servicios a sus clientes.

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
  • 32
    View loans »
    Ecuador Loans Fundraising
  • $26,708,600
    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 materials like cement, metal, and stones.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
May 20, 2013
Jun 14, 2013
Currency Exchange Loss:
Jul 2, 2014