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Virginia Salvador
Virgínia Salvador M. was born in the District of Boane, Maputo Province, in the south of Mozambique. She is 50 years old and widow. One of her children works for a company in the Manhiça District. She left school just after the fourth grade, because the family could not afford her education. She lives in her own house with her children and she is not providing for anyone else.
She left the District of Boane in 1994 and moved for a job to the city of Matola; after ending her contract she returned to Boane and started a business. She has been the owner of her business since 2004 and she has started learning this activity through her friends, in order to be able to provide for the family needs. She works approximately 10 hours every day, she does not have any employees, and she is making a monthly revenue of 3.000 MZN. Besides, she receives, from an old institution where she worked in the past, a 1.000 MZN pension that she uses for the household expenses and for savings in Xitique, a traditional rotational savings system.
In the past, she already received loans from other financial institutions (Guê GueGue association); later she found out about Hluvuku, when she went to ask about lending conditions at the just inaugurated office. This is her second loan of the amount of 15.000 MZN, that she will use to buy construction materials (cement, stones, sand and iron) to enlarge her house. The amount of her previous loan was 11.000 MZN, that she invested as well in her house.
In the future she is planning to request further loans to build houses to rent next to her house, to increase her revenue and improve the living standards of her family.
View original language description ↓
Virgínia Salvador M. nasceu no Distrito de Boane, Província de Maputo, sul de Moçambique, tem 50 anos de idade, Viúva e mãe de 1 filho que já trabalha numa empresa no Distrito da Manhiça. Fez somente 4ª classe, não continuou devido a falta de condições financeiras por parte dos pais. Vive na casa própria com os seus filhos e não sustenta mais ninguém.

Saiu do Distrito de Boane para cidade da Matola por uma transferência dos seus serviços em 1994, depois do término do contrato volta a Boane e inicia uma actividade comercial. Actualmente é dona do seu próprio negocio desde 2004, aprendeu esta actividade com suas amigas como alternativa de sobrevivência. Faz cerca de 10horas por dia, não possui nenhum empregado, consegue um rendimento de cerca de 3.000.00mt por mes e ainda uma pensão da antiga instituição onde trabalhou no valor de 1.000.00mt que aplica nas despesas de casa e ainda poupa algum através de Xitique (sistema tradicional de poupança rotativa).

Já teve empréstimos em outros bancos (associação Guê GueGue), conheceu a Hluvuku sozinha quando foi inaugurado o escritório, tendo aproximado e se informar das condições de acesso. Este é o seu 2º empréstimo no valor de 15.000.00mt com o qual pretende comprar material de construção (cimento, pedra, areia e ferro) para ampliar a sua casa. O empréstimo anterior foi de 11.000.00mt para a mesma actividade.

No futuro gostaria de solicitar mais empréstimos para construir dependências (casas de Aluguer) para aumentar o seu rendimento mensal e oferecer melhores condições de vida a sua família.

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About Mozambique

  • $1,389
    Average annual income
  • 19
    View loans »
    Mozambique Loans Fundraising
  • $2,316,975
    Funds lent in using Kiva
  • 30.0
    Mozambique Meticais (MZN) = $1 USD
Ended with Loss - Currency Exchange Loss learn more
A loan of $500 helped Virginia Salvador to buy construction materials (cement, stones, sand and iron).
99% repaid
Repayment Term
18 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Nov 23, 2009
Listed
Dec 12, 2009
Currency Exchange Loss:
Possible
Ended:
May 1, 2011