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Celestino
Celestino Manuel Guerra Nhanjoba was born in the city of Tete, in the province with the same name. He is 55; married; and is the father of 5 children who are 14, 12, 10, 8, and 3. The four oldest go to school. He studied through his fourth year of medicine in Russia from 1974-1981 and then moved back to Mozambique. He lives in his own home with his family and doesn't support anyone besides them. He left Tete for Russia in 1974, where he had a scholarship to continue studying. He returned in 1981 and began to work at the Ministry of Health until his retirement in 2004. He has his own business, which he runs with the help of his wife. He sells bundles of various used clothing. He buys them for 12,000 meticais per bundle and sells them for 16,000 meticais. He has a monthly salary of 3,900 meticais and a pension of 8,187 a month. He saves some money every month in his bank account from the profits from his business. He has never had a loan with another bank. He became familiar with Hluvuku through his friends who have been clients of the institution for a long time. This is his first loan and it is for 20,000 meticais. He will use it to buy more products for his business (various bundles of clothing) as a way to diversify his products. He promises to pay back his loan on time so he can request more loans in the future to keep expanding his business.
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Celestino Manuel Guerra Nhanjoba nasceu na cidade de Tete, Província do mesmo nome, tem 55 anos de idade, casado e pai de 5 filhos de 14, 12, 10, 8 e 3 anos de idade, destes os 4 mais velhos vão a escola. Fez 4º ano de faculdade de medicina na Rússia nos anos de 1974 a 1981 ate altura do seu regresso. Vive numa casa própria com a sua família, não sustenta mais ninguém.

Saiu de Tete para Rússia em 1974, quando teve bolsa de estudos para dar continuidade com a formação que esteve a seguir em Moçambique. Regressa em 1981, começa a trabalhar no Ministério da Saúde ate a sua reforma em 2004. Tem um negocio próprio que desenvolve com a ajuda da esposa que vende fardos de roupa usada diversa compra a 12.300.00mt o fardo e vende a 16.000.00mt. Tem um salário de 3.900.00mt, uma pensão de 8.187.00 e cerca de 7.000.00 a 9.000.00mt por mes, provenientes do seu negocio e poupa algum mensalmente na sua conta bancária.

Nunca teve empréstimos com outros bancos, conheceu a Hluvuku através de seus amigos que também são clientes desta instituição a muito tempo. Este é o seu 1º empréstimo na instituição no valor de 20.000.00mt, com o qual pretende comprar mais produtos para o seu negócio (fardos diversos de roupa) como forma de aumentar e diversificar o seu produto.

Compromete se a pagar devidamente o seu empréstimo, para poder aceder a mais empréstimos no futuro e ampliar ainda mais o seu negócio.

About Mozambique

  • $1,200
    Average annual income
  • 114
    View loans »
    Mozambique Loans Fundraising
  • $2,802,350
    Funds lent in using Kiva
  • 29.1
    Mozambique Meticais (MZN) = $1 USD
Ended with Loss - Currency Exchange Loss learn more
A loan of $700 helped Celestino to purchase used clothing.
98% repaid
Repayment Term
18 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Nov 10, 2009
Listed
Nov 23, 2009
Currency Exchange Loss:
Possible
Ended:
Oct 9, 2010