Jaime Chirruco

Jaime was born in Namaacha, a town on the border of Swaziland. He is 32 years old, married, and the father of 4 children with ages between 4 and 12 years old. The three oldest are in school, and the youngest goes to day care.

Due to poor financial conditions Jaime was only able to finish the 7th grade, and his parents were not able to pay for high school. Years later he began crossing the Swaziland border to sell contra band products, and little by little he collected enough funds to begin a more legitimate business. He started exchanging currencies, which was an activity that had a positive impact.

With the help of his father who lives in Chokwe, he began working in agriculture and was sent all of the supplies and agricultural instruments. He has planted mainly tomatoes, cucumbers, and sweet potatoes. He has 4 employees who each earn 1,000MT per month, and by investing a maximum of 30,000MT he receives an income of 20,000MT.

Due to the lack of a market he has to rent a car to transport his products from Chokwe to Zimpeto, and he pays 3,000MT each trip. Jaime is not able to save any money because besides his children he is also responsible for his mother who lives in his house he is constructing.

This is Jaime's third loan with Hluvuku and with Kiva. The first two were used to purchase construction materials, and this loan of 15,000MT will be used for the same reason. He is confident that he will be able to pay off the loan before maturity and request another loan so he can strengthen his business.

Translated from Portuguese by Jared Wandry, Kiva Volunteer

Jaime nasceu em namaacha uma vila na fronteira de swazilandia, tem 32 anos de idade vive maritalmente e pai de 4 filhos com idades compriendidas entre os 4 aos 12 anos de idade, os tres mais velhos vao a escola a mais nova e que vai ao centro infatil.

Devido a falta de condiçoes financeiras jaime so consegue concluir a 7 classe pois seus pais já não conseguiam mais pagar o ensino secundario. Anos depois ele começa a fazer mukero venda de produtos contra bandiada na fronteira de swazilandia e aos poucos foi colectando um fundo para iniciar um negocio mas condigno. inicia com o cambio de divisas actividade esta que teve um impacto positivo. Com ajuda do seu pai este que reside em chokwe começa a trabalhar com terra enviando lhe todos insumos e instrumentos agricolas, tem plantado tomate, pipino e batata doce nomeadamentee conta com 4 trabalhadores que auferem por mês 1000.00mt por individuo investindo no maximo um valor de 30.000.00mt e temdo um rendimento de 20.000.00mt mas devido a falta de mercado ele tem de alugar um carro que transporte os seus produtos de chokwe a zimpeto pagando em cada viagem um valor de 3.000.00mt. jaimito não consegue poupar nenhum valor porque para alem dos seus filhos responsabiliza se pela sua mae que vive em sua casa e encontra se a contruir.

Este e o terceiro emprestimo de jaimito na hluvuku e primeiro com kiva. Os dois primeiros foram usados para conprar material de construçao e estes 15.000.00mt seram usados para o mesmo fim. Esta confiante que vai reembolsar antes do tempo determinado e pedir um novo emprestimo para reforçar mas o sue negocio.




About Housing Loans
Many poor families are financially unable to purchase a house that meets their needs. Housing loans funded on Kiva give families access to capital to improve their homes and an opportunity to pay loans back at a pace that they can handle. The housing and small business loans featured on Kiva share a common purpose: they alleviate conditions of poverty and enable families to lead more stable lives. Learn more

Subscribe