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Eria Francisco
Eria Francisco C. is natural from Maputo city, Mozambique's capital. She is 34 years old, married, and has no children. She lives in her own house with three stepsons and one nephew, who are between 10 and 22 years old and go all to school. Besides her family, she supports her older brother and her mother-in-law by sending them some food.


She has started to study 5 years ago because before that she didn’t have conditions to do so. At this moment, she is enrolled at the 5th grade and she intends to continue her studies up to higher education.


She never leaves Maputo. She has been owner of her business for 7 years. Her husband is carpenter. She learned how to do business from her husband when he worked with a businessman and she has more than 12 years of experience. Through her business, she is able to earn approximately 5,000.00 MZN per month, with which she helps with the household expenses and saves some money together with her friends by the traditional system (called Xitique).


She learned about Hluvuku through her husband and has never requested a loan at other banks. This is her 5th loan with this institution, of 15,000 MZN. The previous loans were 5,200 MZN, 7,000 MZN, 10,000 MZN and 12,000 MZN, and all of them were applied in the same activity.


The challenge she faces is the high cost of the construction materials. Even so, she does not give up on her goal to see her house finished. In the future, she intends to request more loans in order to conclude her house construction.

View original language description ↓
Eria Francisco C. é natural de Maputo cidade, capital de Moçambique, tem 34 anos de idade, casada e sem filhos. Vive na casa própria com 3 enteados e 1 sobrinho com idades entre 10 a 22 anos e todos vão a escola. Para alem de sua família ela sustenta seu irmão mais velho e sua sogra, enviando alguns produtos alimentares. Iniciou a estudar a 5 anos atrás porque antes não teve condições, neste momento frequenta 5ª classe e pretende continuar ate nível superior.

Nunca sai de Maputo, é dona do próprio negocio a 7 anos e o seu marido é carpinteiro. Aprendeu a fazer comércio através de seu marido quando trabalhava numa pessoa que fazia negocio e tem esta experiência a mais de 12 anos.
Através do seu negócio consegue ter um rendimento aprox. 5.000.00mt por mês com qual ajuda no sustento da casa e poupa algum com as amigas no sistema tradicional (Xitique).

Conheceu a Hluvuku através de seu marido e nunca solicitou empréstimos em outros bancos. Este é o seu 5º empréstimo nesta instituição no valor de 15.000.00mt com o qual pretende comprar areia e cimento e outros (para fazer murro de vedação). Os valores anteriores foram de 5.200.00mt, 7.000.00mt, 10.000.00mt e 12.000.00mt todos para a mesma actividade.

Os desafios que enfrenta é o elevado custo de material de construção, mesmo assim não desiste de seu objectivo de ver sua casa vedada. No futuro pretende pedir mais empréstimos para a conclusão da sua obra.



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
  • 36
    View loans »
    Mozambique Loans Fundraising
  • $2,379,100
    Funds lent in using Kiva
  • 27.6
    Mozambique Meticais (MZN) = $1 USD
Ended with Loss - Currency Exchange Loss learn more
A loan of $550 helped Eria Francisco buy construction materials (cement, sand and others).
96% repaid
Repayment Term
17 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Oct 6, 2009
Listed
Oct 19, 2009
Currency Exchange Loss:
Possible
Ended:
Mar 16, 2011