Juliao Eugenio Themo

Julião Themo was born in Chibuto district of the province of Gaza in the south of Mozambique. He is 43 years old, married and father of six children aged one through 18. Of these, five go to school. He finished seventh grade and was not able to continue his studies because of financial conditions. He lives in his own house with his family and his mother.

He left Chibuto in 1983 for Maputo and the home of his relatives in order to continue with his studies. After his marriage, he settled down in Boane, where he still lives today.

He has worked as a civil servant in the Department of Health in Boane for more than 18 years. He has a salary of 2,900 MT. In addition to this, he provides various services to others for which he earns up to 1,5000 MT, and saves some in his bank account.

He got to know Hluvuku through friends, and has never taken out loans from other banking institutions. This is his fourth loan with Hluvuku, in the amount of 20,000 MT, with which he plans to buy cement, beams, sheet metal, iron and pay the workers. The previous loans were for 5,500 MT, 7,500 MT and 10,000 MT, all for buying construction materials.

His objective with this loan is to improve his house and offer better living conditions to his family. In future, in plans to request more loans to build a business establishment to sell drinks and basic necessities.

Translated from Portuguese by Heidi Petersen, Kiva Volunteer

Julião Themo nasceu em Chibuto Distrito da Província de Gaza, ao sul de Moçambique, tem 43 anos de idade, casado e pai de 6 filhos de 1 a 18 anos de idade, destes 5 vão à escola. Fez 7ª classe e não foi possível continuar devido à falta de condições financeiras. Vive numa casa própria com a família com a sua mãe.

Saiu de chibuto em 1983 a Maputo em casa de seus tios, para continuar com os seus estudos. Depois de casamento fixou a sua própria residência em Boane, onde reside ate data hoje.
Ė funcionário da Saúde em Boane ha mais de 18 anos, tem um salário mensal de 2.900.00MT. Para alem deste, presta serviço a terceiros com o qual consegue render ate 1.500.00MT e poupa algum na sua conta Bancária.

Conheceu a Hluvuku através de amigos, nunca levantou empréstimos em outras instituições bancárias. Este é o seu 4º credito na Hluvuku no valor de 20.000.00MT, com o qual pretende comprar cimento, barrotes, chapas, ferro e pagamento de mão de obra. Os empréstimos anteriores foram de 5.500.00MT, 7.500.00MT e 10.000.00MT todos para a compra de material de construção.

O seu objectivo com este empréstimo, é melhorar a sua casa e oferecer melhores condições de habitabilidade a sua família. No futuro pretende solicitar mais empréstimos para construir um estabelecimento comercial para venda de bebidas e produtos de primeira necessidade.




About Housing Loans
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