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This client lives in the El Paraíso sector. She started her business selling personal use products when they told her that there was a firm that would give her the products on credit. She started investing small amounts of money and gradually improved her sales. She currently sells cosmetics.

She’s also been able to use some money she had saved to invest in a small restaurant where she sells lunches. Gradually her income has been improving since she’s a single mother and has a son attending public school.

One of her difficulties is that she is handicapped so she’s unable to work at 100%. She wants to use the loan to buy cosmetics, perfume, cream and foodstuffs to sell lunches and to improve the merchandise se sells to her customers.
View original language description ↓
La cliente vive en el sector del Paraiso. Comenzó su negocio de venta de productos personales cuando le conversaron de hay compañía que daban productos a crédito. Ella comenzó invirtiendo una cantidad pequeña de dinero poco a poco fue mejorando sus ventas.

En la actualidad vende cosméticos. También ha podido con un dinero que tenia ahorrado invertir en un pequeño restaurante donde vende almuerzos. Poco a poco esta mejorando sus ingresos ya que ella es madre soltera. Tiene un hijo que estudia en una escuela fiscal. Una de sus dificultades es que tiene una discapacidad que le impide trabajar al 100%.

Con el préstamo quiere comprar cosméticos, perfumes, cremas, víveres para vender almuerzos y así mejorar la mercadería que vende a sus clientes.

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
  • 41
    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 $1,100 helped this borrower to buy cosmetics and basic food staples.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Jun 12, 2013
Jun 25, 2013
Currency Exchange Loss:
Aug 2, 2014