He left Beira for Maputo by himself 15 years ago to live with his parents; in Beira, he had lived with his aunt and uncle. He is a teacher and has been on the staff of the Ministry of Education for 5 years; he works from 12pm to 5pm. He graduated six years ago from the Primary Education Institute in Chibututuine. As a teacher, he earns a monthly salary of 6,577 MZN, which he uses to pay for household expenses. He even saves some in his account with the Millenium Bim bank.
He had a loan with the TCHUMA credit cooperative, but decided not to continue with them for various reasons. He found out about Hluvuku through Mr. Francisco Chamancono who is also a client with the institution. Joaquim Luís has asked Francisco to serve as a guarantor for his loan. This is his first loan with Hluvuku, which has a value of 12,500 MZN. He plans to use it to buy construction materials (cement, rebar, sand, zinc plates, etc.) in order to continue building his house.
In the future, he would like to ask for more loans to finish and furnish his home in order to ensure better comfort and living conditions for his family.
Saiu da cidade da Beira para Maputo sozinho para vir morar com os seus pais há 15 anos, pois na Beira vivia com os tios. E docente e é do quadro do Ministério de Educação há 5 anos e faz um horário das 12 as 17:00 horas. Foi formado há 6 anos no Instituto do Magistério Primário de Chibututuine, aufere um salário de 6.577.00mt por mês, que aplica nas despesas de casa e ainda poupa algum na sua conta bancária no Banco Millenium Bim.
Já teve empréstimo na cooperativa de crédito TCHUMA, e dicidiu não continuar devido a vários motivos. Conheceu a Hluvuku através do Sr. Francisco Chamancono que também é cliente da mesma instituição e havia lhe solicitado para o servir de avalista no seu empréstimo. Este é o seu 1º empréstimo no valor de 12.500.00mt com o qual pretende comprar material de construção (cimento, ferro, areia, chapas de Zinco e outros) para dar continuidade com a construção da sua residência.
No futuro gostaria de solicitar mais empréstimos para concluir e mobilar a sua residência de forma a garantir melhor conforto de habitabilidade a sua família.
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