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Xavier P. is 47 years old and is from Montepuez in the Cabo Delgado province. He is married and has 3 children: the oldest is 18 and is a student, the middle child is 10 and is also a student and the youngest is only 3 months old. They live in their own home in Boane and he sometimes attends 7th grade classes. His schooling was interrupted when he had to fulfill his obligatory military service. He maintains his family with his wife’s help, who works as an EPC service agent in Namaacha. He was born in Montepuez and in 1987 he moved to Maputo for his military service. Xavier has been an insurance agent (SINER insurance) at the EDM branch in Boane for the past 8 years. This is his fourth loan with Hluvuku. His previous loans were for 9.200,00MT, 10.500,00MT and 13.000,00MT, which he used for basic goods, business and housing needs. All of his loans were repaid without any problems. With this loan of 15.00,00MT he wants to buy cement, sand and rocks to finish his project. His biggest challenge is finishing this project. He pledges to repay the loan without problems, so that he can continue with future loan cycles to improve his home.
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Xavier P. de 47 anos de idade, natural de Montepuez, província de Cabo delgado, casado é pai de 03 filhos, o primeiro tem 18 anos de idade e é estudante, o segundo com 10 anos de idade também e estudante e o terceiro tem apenas 03 meses de idade, vive na casa própria em Boane e esta a frequentar a 7ª classe, pois havia interrompido os estudos para cumprir o serviço militar obrigatório, sustenta a família com ajuda da esposa que e que agente de serviços da EPC-Namaacha.

Nasceu em Montepuez e em 1987 mudou-se de Montepuez para Maputo pelo serviço militar obrigatório.

Xavier P. é agente de segurança da empresa(SINER, segurança) afecto na subestação da EDM em Boane há 08 anos, foi formado pela mesma empresa em 2001 e a sua renda mensal e de 2.600,00MT, com o qual e com ajuda da sua esposa sustenta a sua família e consegue poupar para melhorar a sua residência.

Conheceu a Hluvuku-adsema através da divulgação feita a quando da abertura da sucursal de Boane, este e o quarto empréstimo na Hluvuku, tendo se beneficiado de empréstimos de 9.200,00MT, 10.500,00MT e 13.000,00MT destinados a bens de consumo, comercio e habitação respectivamente, de salientar que tem reembolsado o empréstimo sem problemas.

Com o empréstimo de 15.000,00MT, pretende comprar cimento, areia e pedra para concluir a sua obra. O seu maior desafio e concluir a obra.
Propõe-se a pagar o credito sem problemas para poder aceder a outros créditos para mobilar a sua casa.

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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
  • 36
    View loans »
    Mozambique Loans Fundraising
  • $2,379,100
    Funds lent in using Kiva
  • 26.5
    Mozambique Meticais (MZN) = $1 USD
Ended with Loss - Currency Exchange Loss learn more
A loan of $575 helped Xavier cement, sand and rocks for construction.
94% repaid
Repayment Term
18 months (Additional Information)
Repayment Schedule
Jul 20, 2009
Aug 19, 2009
Currency Exchange Loss:
Dec 15, 2010