Carlota Luis Tembe


Status: Paid Back

$850.00   Loan Request
$850.00   Paid Back

About the Entrepreneur

Name: Carlota Luis Tembe
Location: Boane, Maputo, Mozambique
Activity: Construction

About the Loan

Loan Amount: $850.00
Loan Use: To buy material to finish up her house
Repayment Term: 18 months - View details below
Lenders Repaid: Monthly
Currency Exchange Loss: Covered
Date Listed: Jan 30, 2008
Date Disbursed: Feb 13, 2008
Date Funded:Jan 30, 2008
Loan Ended:Jul 15, 2009

About the Country

Country:Mozambique
Avg Annual Income:$1,389.00
Currency:Mozambique Meticais (MZN)
Exchange Rate:23.9000 MZN = 1 USD



Carlota Luísa Tembe was born in the city of Maputo in the province of Maputo. She has 7 siblings, they are orphans. She was raised in the district of Boane where she still lives. She started primary school in Boane but did not attend secondary school because at that time Mozambique culture did not accept girls attending secondary school and she did not want to contradict her family.


Carlota was married but her husband died leaving her with 5 children to care for. She supported them through commerce. She heard of HLUVUKU-ADSEMA from her brother and friends. She has already borrowed twice, both times 5.000mt, which she repaid.
Carlota is requesting a loan of 20000mt. Her dream is to see her home finished and her business doing well so she can support her family.

Translated from Portuguese by Mariana Komatsuzaki Fraga, Kiva Volunteer.



Localização: Bairro 2
Cliente: Carlota Luisa Tembe
Actividade: Comércio
Valor do empréstimo: 20.000,00mt
Aplicação: Compra de mercadoria para revenda
Início: 28/01/08
Fim: 22-05-09



Carlota Luísa Tembe, nasceu na cidade de Maputo, província de Maputo. Tem 7 irmaos dos quais 2 são homens, é orfã de pai e mãe. Cresceu no distrito de Boane e vive até hoje.
Começou a estudar na escola primária Boane sede. Não frequentou o nível secundário por ter ido ao lar com os seus 20 anos de idade visto que naquele tempo, ir a escola não havia muita aceitação para os moçambicanos e não deixando de lado a tradicao da sua família. Depois de começar a viver maritalmente, o seu marido vem a falecer deixando com ela 5 filhos dos quais 3 são rapazes e duas meninas. 3


Durante este tempo ela vive com base da actividade comercial estando de momento a tratar o assunto da pensão de sobrevivencia para seus filhos. Ouviu falar da HLUVUKU-ADSEMA apatir do seu irmão e amigas do mercado e decidiu aproximar-se para ter melhor esclarecimento e requisitos para aceder ao credito.
Assim, reunindo requisitos, teve dois empréstimos um de 5.000,00MT e tendo pago sem nenhum constrangimento.
Depois destes remeteu o seu terceiro pedido no valor de 20.000,00MT que ainda esta por ser financiado.
Tem como seu maior sonho ver sua casa concluída e sua actividade comercia desenvolver muito bem pra poder sustentar seus filhos.


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Journal entries for Carlota Luis Tembe


Loan has been disbursed
 
Entrepreneur: Carlota Luis Tembe
Location: Boane, Maputo, Mozambique

Thank you for your loan. It has been disbursed to Carlota Luis Tembe by Hluvuku-Adsema in Mozambique. We are excited to watch this business grow. Over the next 16 months, Hluvuku-Adsema will be collecting repayments from this entrepreneur and posting progress updates on the Kiva website.


Posted by Bernardo Luis Tembe from Boane, Maputo, Mozambique
Feb 15, 2008
Comment on this entry

Update on Carlota’s Life!!
 
Entrepreneur: Carlota Luis Tembe
Location: Boane, Maputo, Mozambique

Carlota is doing quite well! She received us at her house, under her trees’ shades at an extremely hot day to talk about her last loan with Hluvuku.

Carlota used this last MTn 20,000 loan to buy construction material to one day start construction of an adjacent house at her land, where she is planning to build between 3 to 6 rooms to rent. Carlota currently lives at her own house at a very large land with a total of 12 people, between her 5 children, a son-in-law and grandchildren. With the first and second loans of MTn 5,000 and MTn 15,000, respectively, Carlota improved her own house. The first time she bought aluminum roofing to replace the plastic roofing she had before and the second time she bought cement to finish the floor.

This time Carlota has decided to build more rooms and rent it. She believes it is an extremely profitable business and all her children will benefit from the increase in the household income. Carlota will rent each room for at least MTn 400 per month and she is certain there will be customers interested. Today Carlota sells firewood at the Boane village that she buys in the nearby forest for MTn 300 each package, and counts with some help from her son-in-law and daughter that work at the local market selling general products.

Carlota would like to finish paying this loan as quit as possible so that she can ask for a new one of around the same amount and start construction. Carlota declined to take a new picture because she didn’t think she would look good, as she wasn’t able to shower for the last 4 days.


Posted by Beatriz Mauro from Boane, Maputo, Mozambique
Apr 14, 2008
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Kiva Help Repayment Schedule for Carlota Luis Tembe

  Expected Repayments Actual Repayments Comments
May 2008 $53.13 $0.00 Repayment Received
June 2008 $53.13 $0.00 Repayment Received
July 2008 $53.13 $0.00 Repayment Received
August 2008 $53.13 $0.00 Repayment Received
September 2008 $53.13 $0.00 Repayment Received
October 2008 $53.13 $324.00 Repayment Received
November 2008 $53.13 $54.00 Repayment Received
December 2008 $53.13 $54.00 Repayment Received
January 2009 $53.13 $46.12 Repayment Received
February 2009 $53.13 $53.12 Repayment Received
March 2009 $53.13 $53.12 Repayment Received
April 2009 $53.13 $53.12 Repayment Received
May 2009 $53.13 $53.12 Repayment Received
June 2009 $53.13 $53.12 Repayment Received
July 2009 $53.13 $53.13 Repayment Received
August 2009 $53.05 $53.15 Repayment Received