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Rute
Rute was born in Namaacha. She is 35 years old, single, and went to school through the 10th grade. She is the mother of a 14 year old son who is in the 7th grade.

Rute is a native of Namaacha, a town on the border of Swaziland. She had to interrupt her schooling when she began working in the Hotel Xissaka as the secretary of the Director. She worked there 5 years but due to a change in supervision she was one of the ones excluded, and she lost her job. Years later her in-laws kicked her out of the house alleging that her Bantu language was not the same as that of her husband. She lost her home and was suffering.

In the same year she was selected to receive a recompensation from the Hotel Xissaka in the amount of 15,000MT. She decided to begin her own business of selling bedding that she acquired in South Aftica and resold in the Capital. She has travels 3 times each month and has many customers and orders for products like sheets, blankets, duvets, vases, curtains, carpets...etc. She spends 35,000MT with each trip, and after resales she earns 9,000MT.

She approached Hluvuku when she lost her home in a fire caused by a short circuit in the wires of Mozambique Electricity, and they would not take responsibility for the accident. Rute is requesting a loan for 15,000MT from Hluvuku to make repairs on her home. Besides her son she is also supporting her mother who lives in her house, and she gives her 1,000MT every three months.

This is Rute's first loan with Hluvuku and with Kiva. The 15,000MT will be used to purchase construction materials to make repairs on her home that was consumed by the fire. She is confident that she will be able to pay off the loan before maturity and request another loan to finish her hair salon.
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Rute nasceu em Namaacha tem 35 anos de idade e solteira e estudou ate a 10ª classe, e mãe de um filho de 14 anos de idade que se encontra a frequentar a 7ª classe.


Rute natural de Namacha uma vila na fronteira de Swazilandia,ela teve que interroper os seus estudos quando começa a trabalhar no Hotel Xissaka como secretária do Director durante 5 anos mas devido a mudança do patronato ela foi uma das excluidas e assim perdeu o emprego. Anos depois os seus sogros mandam a embora do lar alegando que a sua lingua bamto não era a mesma que a do seu marido e ela perde o lar de tanto la estar a sofrer, no mesmo ano ela e chamada para receber uma indiminizaçao no Hotel Xissaka no valor de 15.000.00mt. entao ela opta em iniciar o seu próprio negócio de venda de roupas diversas adqurida na Africa do Sul e revendidas na capital. Tem viajado 3 vezes por mês pois tem muitos clientes e conta com muitas encomendas tais com lençois, mantas, duvetes, vasos, cortinas, tapetes etc. tem gasto em cada viagem um valor de 35.000.00mt apois a revenda tem tido de lucro 9.000.00mt, aproxima se a hluvuku quando perde a sua casa num insêndio provocado por um corte circuito na electricidade de moçambique estes que não se responsabilizaram pelo sucedido,Rute pede um emprestimo no valor de 15.000.00mt a hluvuku para a manutençao da sua casa. Para alem do seu filho responsabiliza se pela sua mãe esta que vive em sua casa emviando lhe em cada 3 meses um valor de 1.000.00mt.

Este e o primeiro empréstimo de Rute na Hluvuku e Kiva. Estes 15.000.00mt seram usados para comprar material de construção para fazer manutenção da sua casa que foi consumida pelo fogo. Esta confiante que vai reembolsar antes do prazo determinado e pedir um novo empréstimo para concluir com o seu salão de cabelereiro.

Additional Information

About Housing Loans

Many poor families cannot afford housing that meets their needs. When you make a housing loan on Kiva, you give people access to flexible capital to obtain or improve their homes. Better housing means better health, sanitation, and even educational outcomes for children. A house can also be much more for entrepreneurs who run businesses out of their homes. In this way, housing and small business loans on Kiva share a common purpose: to alleviate poverty and enable families to enjoy more stable lives.

About Mozambique

  • $1,389
    Average annual income
  • 106
    View loans »
    Mozambique Loans Fundraising
  • $2,556,750
    Funds lent in using Kiva
  • 27.0
    Mozambique Meticais (MZN) = $1 USD

Success!! The loan was 100% repaid

A loan of $575 helped Rute purchase construction materials.
100% repaid
Repayment Term
16 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Apr 14, 2009
Listed
May 16, 2009
Currency Exchange Loss:
Covered
Ended:
May 15, 2010