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Gilda
Gilda M. was born in the district of Manhiça, in the province of Maputo in the south of Mozambique. She is 38 years old, married, and is the mother of a 5-year-old son who does not yet attend school. Gilda studied through 10th grade and later completed a degree in teaching. She lives in her own home with her family, and she helps to support her mother by sending her money for her household expenses.

She left Manhiça for Boane because she was transferred at work. She has been a teacher, working for the Ministry of Education, for 8 years. She completed her studies in Education 8 years ago at the Instituto de Magistério Primário [Institute for Primary Education] in Chibututuine and now works around 8 hours a day. She doesn't employ anyone else to help her and she earns approximately 7872.00 Meticales each month. She uses this money to pay for household expenses and also saves some money each month in her bank account.

Gilda has never taken out a loan with another bank. She found out about Hluvuku [the Kiva Field Partner] through a friend who also works with the institution. This is her 1st loan, for the amount of 20,000.00 Meticales. She plans to use this money to buy construction materials (cement, nails, zinc plates and other items) in order to finish her construction project.

She promises to repay the loan as indicated in order to be eligible for other loans later. In the future she would like to apply for more loans to finish her house and then furnish it.
View original language description ↓
Gilda M. nasceu no Distrito da Manhiça, Província do Maputo, sul de Moçambique, tem 38 anos de idade, casada e mãe de 1 filho de 5 anos de idade que não vai a escola ainda. Fez 10ą classe e mais tarde fez a formação de professores. Vive na casa própria com a sua família e sustenta a mãe enviando valores monetários para despesas caseiras.
Saiu de Manhiça para Boane através de uma transferência dos serviços, é docente funcionária do Ministério de Educação a 8 anos. Foi formada pelo Instituto de Magistério Primário de Chibututuine a 8 anos, faz cerca de 8 horas de trabalho por dia, não possui nenhum empregado e conta com um salário de 7.872.00mt por mês, que aplica nas despesas de casa e ainda poupa algum na sua conta bancária.
Nunca teve empréstimos em outros bancos, conheceu a Hluvuku através de um amigo que também é cliente desta instituição. Este é o seu 1º empréstimo no valor de 20.000.00mt com o qual pretende comprar material de construção (cimento, pregos, chapas de zinco e outros) para dar continuidade com a sua obra.
Compromete se a pagar devidamente este empréstimo para poder aceder a outros créditos. No futuro gostaria de solicitar mais empréstimos para concluir e mobilar a sua casa.

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
  • 47
    View loans »
    Mozambique Loans Fundraising
  • $2,634,975
    Funds lent in using Kiva
  • 32.3
    Mozambique Meticais (MZN) = $1 USD

Success!! The loan was 100% repaid

A loan of $625 helped Gilda purchase of construction materials (zinc plates, cement and other items).
100% repaid
Repayment Term
18 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Feb 9, 2010
Listed
Mar 4, 2010
Currency Exchange Loss:
Possible
Ended:
Jul 15, 2011