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Lucia Maria
Lúcia Maria Julião was born in the Cabo Delgado province in the north of Mozambique. She is 33 years old, and is a single mother of two children of 10 and 5 years. They both go to school. She herself attended school through 12th grade. She lives in her own home with her children and she supports 3 brothers who also live with her.



She left Cabo Delgado for Maputo with her sister and brother-in-law after finishing school. Currently she has been employed in the Ministry of Education as a teacher for more than 12 years. She has never had any employees, and she makes a monthly salary of 4,115MT, which she uses for her household expenses and saves some to her bank account (Millenium Bim).



She has never taken a loan from any other bank. She came to know Hluvuku through her coworkers who are also clients of the institution. This is her second loan and is for the amount of 15,000MT. She plans to use this to buy construction materials (cement, window panes, sand, etc.) to continue the construction of her home. The previous loan was for 13,000MT and was used for the same purpose. She promises to make loan repayments dutifully so that she can access others. In the future she would like to take more loans for additional home improvements so that she can provide more habitable conditions.

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Lúcia Maria Julião

Lúcia Maria Julião nasceu na Província de Cabo Delgado, Norte de Moçambique, tem 33 anos de idade, solteira e mãe de 2 filhos de 10 e 05 anos de idade, todos vão a escola. Fez 12ą classe e formação de professores. Vive na casa própria com os seus filhos e sustenta 3 irmãos que vivem com ela.
Saiu de Cabo Delgado para Maputo com a sua irmã e cunhado a fim de continuar com os estudos. Actualmente é funcionária do Ministério da Educação como docente ha mais de 12 anos, não possui nenhum empregado e tem um salário de 4.115.00mt por mês, que aplica nas despesas de casa e ainda poupa algum na sua conta Bancária (Millenium Bim).
Nunca teve empréstimos em outros bancos, conheceu a Hluvuku através de colegas de serviço que também são clientes desta instituição. Este é o seu 2º empréstimo no valor de 15.000.00mt com o qual pretende comprar material de construção (cimento, aros para janelas, areia e outros) para dar continuidade com a construção da sua casa. O empréstimo anterior foi de 13.000.00mt, para a mesma actividade.
Compromete se a pagar devidamente este empréstimo para poder aceder a outros. No futuro pretende solicitar mais empréstimos para continuar com melhoria da sua casa, para poder 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

  • $1,200
    Average annual income
  • 60
    View loans »
    Mozambique Loans Fundraising
  • $2,725,575
    Funds lent in using Kiva
  • 34.4
    Mozambique Meticais (MZN) = $1 USD

Success!! The loan was 100% repaid

A loan of $450 helped Lucia Maria purchase of construction materials (cement, window panes, sand, etc.).
100% repaid
Repayment Term
18 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Mar 24, 2010
Listed
Apr 21, 2010
Currency Exchange Loss:
Possible
Ended:
Aug 15, 2011