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Manuela Beneilde
Manuela Benilde L. was born in the city of Maputo. She is 45 years old, married, and has three children between the ages of 11 and 21. All of her children attend school. Manuela completed studies in education in the Instituto de Magistério Primários (Institute of Elementary Education) in Matola in 1996. She lives in her own home with her husband and children. She also sends money to her parents who live in another neighborhood in the same district.

She grew up with her parents in the city of Maputo and the family later the moved to Boane, renting out their house. Her husband sells wood that he acquires in the northern province of Zambezia (2,500 km from Maputo). She has been working as a teacher for the state for over 8 years and earns a salary of 4.069,000 MT plus a portion of the 10.000,00 MT from the rental of the family home in the city of Maputo.

She has never had a loan with another bank. This will be her first loan with Hluvuku in the amount of 15.000,00MT for the purchase of construction materials (cement, sand, blocks, etc. ) with the goal of continuing work on the construction of her concrete block home. She learned about Hluvuku through friends and colleagues who had received loans through the organization.

Manuela plans to pay the loan without any problems in order to have access to future loans to finish her home. She dreams of seeing her home finished and later equipped.
View original language description ↓
Manuel Benilde L. nasceu na cidade de maputo, tem 45 anos de idade, casada e mãe de três filhos com idades compreendidas entre 11 e 21 anos. Todos os filhos freqüentam escola. Manuela fez a formação media de docência no Instituto de Magistério Primários da Matola no ano de 1996. Vive na casa própria com seu marido e filhos, mas também envia algum dinheiro para os seus pais que vivem noutro bairro do mesmo distrito.

Cresceu na companhia dos seus progenitores na cidade de maputo e mais tarde mudaram se para boane, deixando a casa de aluguer. O seu marido faz negocio de venda de madeira que adquire na província nortenha da Zambezia (a 2.500km de Maputo). Trabalha para o estado como Professora há mais de oito anos de experiência e com salário de 4.069,00MTmais uma parte dos 10.000,00MT de aluguer da casa da família deixada na cidade de Maputo.

Nunca teve empréstimos em outros bancos e com a hluvuku vai ser o primeiro credito no valor de 15.000,00MT para compra de material de construção (cimento, areia, blocos e outros) com objectivo de continuar com a construção da casa de alvenaria. Teve informações através de amigas e colegas de serviços que já beneficiaram de empréstimos com a instituição.
Propõe se a pagar o credito sem problemas para poder a ceder a mais empréstimos com objectivo de terminar a obra. Sonha ver a casa concluída para posterior apetrecha mento.

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
  • 56
    View loans »
    Mozambique Loans Fundraising
  • $2,721,050
    Funds lent in using Kiva
  • 26.7
    Mozambique Meticais (MZN) = $1 USD
Ended with Loss - Currency Exchange Loss learn more
A loan of $575 helped Manuela Beneilde purchase of construction materials (cmeent, sand, etc.).
94% repaid
Repayment Term
18 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Aug 31, 2009
Listed
Sep 28, 2009
Currency Exchange Loss:
Possible
Ended:
Apr 24, 2011