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Elisa
Elisa was born in Maputo and studied until the 8th grade. She is 30 years old, married, and mother of 2 children. The oldest is 10 years old, and the second is 6. Both are in school.

Elisa moved from Maputo to Namaacha, a village that borders Swaziland, with her mother right after she was born. She began her schooling only when she was 12 because she had always been very sickly. When her mother could no longer to pay for her schooling, Elisa did her part to help by selling a few products at school during recess time, and at night to the night-school students.

When Elisa got pregnant with her first child, her boyfriend was unemployed. Seeing that she was good at business, Elisa’s mother gave her some money to start her own. She sold primary goods, and was eventually able to build her own house. Some years later she began selling beauty products, but had to stop when a law went into effect saying that students were not permitted to braid their hair. So she began selling shoes and sarongs purchased in the capital. The shoes are purchased for 35.00 MT and sold for 50.00 MT, and the sarongs are purchased for 50.00 MT and sold for 75.00 MT in this district. Elisa travels to the capital twice a week because, besides selling her wares at the central market, she also sells at the informal Shoprite market on Wednesdays and Saturdays. Her monthly income is 3,000.00 MT, and she is not able to put any of it toward savings since she is having some construction done and takes care of her brother in-law that lives in her home.

This is Elisa’s first loan with Hluvuku and Kiva. The 70,000.00 MT she is requesting will be used to increase her stock now that winter is approaching and many clients are requesting shoes. She wants to be prepared to meet the needs of her clients at the right time. She is confident that she can repay her loan before the set time, and so she can request another loan to further improve her business.
View original language description ↓
Elisa nasceu em maputo tem 30 anos de idade vive maritalmente, estudou ate a 8 classe e mae de 2 filhos o primeiro de 10 anos e a segunda de 6 anos todods vao a escola.

Elisa sai de maputo a namaacha uma vila na fronteira de swazilandia com sua mae apos a sua nascencia, inicia com os estudos muito tarde quando tinha 12 anos pois era muito duentinha o tempo foi passando e a sua mae não conseguia mas custear os seus estudos. entao ela sacrificava se levando alguns produtos e ajudava a sua mae a vender na hora do recreo, passou tambem a vender nas noites caçando o movimento dos alunos que estudavam de noite e fica gravida do seu primeiro filho. mas como o seu namorado era desempregado e ela intendia de negocio a mae da lhe um fundo e ela inicia o seu proprio negocio de venda de produtos de primeira necessidade entao consegue construir a sua propria casa. Anos depois muda de actividade e começca com a venda de produtos de beleza mas teve que interroper quando entra em vigor nas escolas uma lei que alegava que nenhuma aluna deveria trançar mecha, entao ela divercifica a sua mercadoria comprando calçados e capulanas adquiridas na capital a 35.00mt por par e a 50.00mt cada capulana e revendida a 50.00mt o par e a 75.00mt a capulana consecutivamente aqui no distrito. Tem viajado a capital 2 vezes por semana pois para alem de vender no mercado central vende no mercado informal shoprite nas quartas e sabados tem um lucro mensal de 3.000.00mt por mês não consegue poupar nenhum valor pois encontra se a construir e responsabiliza se pelo seu cunhado que vive com ela em sua casa.Este e o primeiro emprestimo de elisa na hluvuku e kiva . estes 7.000.00mt seram usados para aumentar o volume do seu stock uma ves que se aproxima o inverno mitos clientes solicitam sapatilhas e ela quer estar preparada para satisfazer a necessidade dos seus cientes a tempo e hora. Esta confiante que vai desembolsar antes do tempo determinado e pedir mais emprestimo para melhorar mais ainda o seu negocio.

About Mozambique

  • $1,389
    Average annual income
  • 103
    View loans »
    Mozambique Loans Fundraising
  • $2,541,100
    Funds lent in using Kiva
  • 27.1
    Mozambique Meticais (MZN) = $1 USD

Success!! The loan was 100% repaid

A loan of $275 helped Elisa buying and selling shoes.
100% repaid
Repayment Term
16 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Apr 14, 2009
Listed
May 6, 2009
Currency Exchange Loss:
Covered
Ended:
Mar 20, 2010