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Anica M. was born in the city of Pemba, in a northern province that borders Tanzania. She is 32 years old, married, and has 4 children between the ages of 10 and 23. She lives with her husband in their own house and finished high school.

She left Pemba for Maputo in 1986 with her eldest daughter, and lived there two years. She went to another province north of Maputo (Inhambane), and then returned to Boane in 1990 with her husband.

She has worked as a secretary in Boane's Instituto Pedagógico de Umbelauzi for more than 18 years and earns 4600 meticals, which help her support her family and pay off her loans.

Anica has never received loans from other banks, and this is her fourth loan, in the amount of 25,000 meticals, which she will use to purchase construction materials for her house. She learned about Hluvuku-Adsema through friends and colleagues.

Her previous loans were for 17,000, 20,000, and 40,000 meticals and were also used to buy contrsutction materials.

She intends to pay off this loan in full and on time so that she can apply for further loans and finish building her house.
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Anica M. nasceu na cidade de Pemba (na província do norte do pais que faz fronteira com Tanzânia), mulher de 32 anos de idade, casada e mãe de 4 filhos com idades compreendidas entre 10 e 23 anos. Vive com o marido na casa própria e tem o nível médio concluído.

Saiu de Pemba no ano de 1986 com a sua primeira filha a maputo onde viveu e dois anos depois saiu para outra província a norte do Mpauto (inhambane) e tendo regressado a Boane no ano de 1990, juntamente com o seu marido.
Trabalha como secretaria do Instituto Pedagógico de Umbelauzi de Boane a mais de 19 anos onde recebe 4.600,00MT, valor que lhe ajuda a suportar os encargos familiares e pagamento do credito de Habitação.

Anica, nunca teve empréstimos com outros bancos e este é o seu quarto credito no valor de 25.000,00MT que pretende usar na aquisição de material de construção da sua casa. Obteve informações sobre a Hluvuku-Adsema através de amigos e colegas do serviço.

Primeiramente levantou 17.000,00mt; 20.000,00; e 40.000,00mt para aplicar na compra de material de construção.

Propõe se a pagar o credito em de acordo com o plano de prestações para no futuro aceder a mais empréstimos comm o plano de terminar a construção da casa.

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

  • $1,200
    Average annual income
  • 132
    View loans »
    Mozambique Loans Fundraising
  • $2,808,950
    Funds lent in using Kiva
  • 26.6
    Mozambique Meticais (MZN) = $1 USD
Ended with Loss - Currency Exchange Loss learn more
A loan of $950 helped Anica to buy construction materials.
95% repaid
Repayment Term
18 months (Additional Information)
Repayment Schedule
Jun 22, 2009
Jul 12, 2009
Currency Exchange Loss:
Nov 15, 2010