João lost his parents after his birth and went to live with his older brother, who took care of him. When he was in ninth grade, he attended boarding school, and he had to leave because his brother could no longer pay the fees. But as he was an active member of an organization (Doctors of the World) with a two-year contract and received 1,200 meticais, he was able to rent a room and study at night, finishing the 12th grade. But the contract ended, and he was contacted by the Salesian Sisters to work at the Maria Auxiliadora (Mary Help of Christians) School as a drawing teacher from 7 until 10 in the morning, and he took a computer repair course at SISCOM in Maputo three afternoons a week for six months. For more than three years, he has been a permanent employee of STAE (the Electoral Administration Technical Secretariat) in information technology and statistics, working from 7:30 am until 3:30 pm, receiving 3,450 meticais monthly and a subsidy of 5,850 meticais quarterly during the elections.
This is João's second loan with Hluvuku and his first with Kiva. The first loan, for 10,000 meticais, was used buy the title to his land. This second loan of 20,000 meticais will be used to buy construction material and start building his own house so he can leave his rented house. He is confident that he will pay it off ahead of schedule and ask for another loan to pay school expenses since he is thinking of continuing with his studies.
João apos sua nascença perde seus pais e passa a viver com seu irmão, mas velho, este que toma conta dele, quando freqüentava a 9 classe ele vivia no internato e seu irmão já não podia mais custear com as despesas e ele teve que sair. Mas como ele era activista duma organização (Médicos do Mundo) num contrato de 2 anos e auferia 1.200.00MT consegue alugar uma dependência e passa a estudar a noite onde consegue concluir a 12 classes. Mas o contrato finda e ele é contractado pelas irmãs salassianas para trabalhar no colégio Maria auxiliadora como professor de desenho no período da manha das 7h às 10h e no período da tarde ela fazia um curso de reparação de computadores na SISCOM em Maputo três vezes por semana durante 6 meses. Hoje é funcionário permanente no STAE com a categoria de técnico de informática e estatística a mas de 3 anos trabalhando das 7,30 as 15.30h auferindo 3.450.00me mensalmente e um subsídio no período de processos eleitorais de 5.850 em cada 3 meses.
Este e o segundo empréstimo de joão na hluvuku e primeiro com kiva, o primeiro de 10.000.00mt foi usado para legalizaçao do seu terreno, este segundo de 20.000.00mt sera usado para comprrar material de contruçao e dar inicio da sua propria obra e sair da casa alugada.esta confiante que vai pagar antes do tempo previsto e pedir um novo emprestimo para pagar as dispesae escolares pois pensa emcotunuar com os estudos.
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.
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