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Beatriz Rafael
Beatriz Rafael was born in the city of Maputo, in the Province of the same name, South of Mozambique. She is 55 years old, a widow and mother of children who are 32, 31, 30, 29 and 15 years-old. The youngest is in school. She completed 12th grade and teacher's certificate. She lives in her own house with her two youngest children and doesn't support anyone else.

She has never left Maputo. She works with the Ministry of Education as a teacher since 1974 in the Boane District. She does not have any employees and earns 5.585.00mt per month, which goes to household expenses and a savings account.

She has had loans with another bank (BIM). She came to know Hluvuku through her friend who is also a partner of the same institution. This loan, in the amount of 17.000.00mt is his fourth. She intends to buy building materials (cement, sand, iron, stone and tin screens) in order to continue her home improvements. The previous loans were for 10.300.00mt, 10.400.00mt and 13.500.00mt and were all applied towards the same activity.

In the future, she would like to request more loans to finish her house and provide better living conditions.
View original language description ↓
Beatriz Rafael Chaquela T. nasceu na cidade de Maputo, Província de mesmo, sul de Moçambique tem 55 anos de idade viuva e mãe de 5 filhos de 32, 31, 30, 29 e 15 anos de idade, o mais novo vai a escola. Fez 12ą classe e formação de professores. Vive na casa própria com os seus 2 filhos menores e não sustenta mais ninguém.
Nunca saiu da cidade de Maputo, trabalha no Ministério da Educação como docente desde 1974, afecta no Distrito de Boane. Não possui nenhum empregado e tem um salário mensal de 5.585.00mt, que aplica nas despesas de casa e ainda poupa algum na sua conta bancária
Já teve empréstimo em outro banco (BIM), conheceu a Hluvuku através da sua amiga que também é cliente desta instituição. Este é o seu 4º empréstimo no valor de 17.000.00mt, com o qual pretende comprar material de construção (cimento, areia, ferro, pedra e chapas de zinco) para dar continuidade com o melhoramento da sua residência. Os empréstimos anteriores foram de 10.300.00mt, 10.400.00mt e 13.500.00mt, para a mesma actividade.
No futuro gostaria de solicitar mais empréstimos para concluir a sua casa e oferecer melhores condições de habitabilidade.

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
  • 34
    View loans »
    Mozambique Loans Fundraising
  • $2,446,150
    Funds lent in using Kiva
  • 32.0
    Mozambique Meticais (MZN) = $1 USD

Success!! The loan was 100% repaid

A loan of $550 helped Beatriz Rafael purchase of building materials (cement, sand, iron, stone and tin screens).
100% repaid
Repayment Term
18 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Mar 9, 2010
Listed
Mar 19, 2010
Currency Exchange Loss:
Possible
Ended:
Aug 15, 2011