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Laura Jose
Laura José N. was born in the district of Manjacaze, Gaza Province, in southern Mozambique. She is 37 years old, single, and has 3 children ages 14, 10 and 4. The two older children attend school. She has a degree from the Teachers University and would like to continue her studies. She lives in her own home with her children and she supports two brothers who live with her.

She left Manjacaze for Maputo with her parents when she was very young. She started working and began building her own home. She has worked as a teacher in the 1 de Junho elementary school for more than 15 years and is part of the Ministry of Education. She does not have any employees, and her salary is 11.430.00mt per month, which she uses for her household expenses and saves a bit sometimes in her Barclays Bank account.

She has taken out loans with the commercial bank "Millenium Bim" and decided not to continue. She learned about Hluvuku through work colleagues who are also Hluvuku customers. This is her first loan, in the amount of 20.000.00mt, which she plans to use to purchase construction materials (concrete block, sand, iron, etc.) to continue the construction of her home. She promises to pay the loan as agreed to have access to other loans. In the future she plans to ask for additional loans to finish her home and to open a daycare for infants and increase her family income.
View original language description ↓
Laura José N. nasceu no Distrito de Manjacaze, Província de Gaza, sul de Moçambique, tem 37 anos de idade, solteira e mãe de 3 filhos de 14, 10 e 04 anos de idade, os dois mais velhos vão a escola. Licenciou na Universidade Pedagógica, ainda pretende dar continuidade com os seus estudos. Vive na casa própria com os seus filhos e sustenta 2 irmãos que vivem com ela.
Saiu de Manjacaze para Maputo com seus pais ainda muito jovem, tendo começado a trabalhar e iniciou com a construção da sua própria residência. Trabalha como docente na escola primária completa 1 de Junho ha mais de 15 anos e é do quadro do Ministério da Educação. Não possui nenhum empregado e tem um salário de 11.430.00mt por mês, que aplica nas despesas de casa e ainda poupa algum de vez enquanto na sua conta Bancária (Barclays).
Ja teve empréstimos no Banco comercial “Millenium Bim” e decidiu não continuar, conheceu a Hluvuku através de colegas de serviço que também são clientes desta instituição. Este é o seu 1º empréstimo no valor de 20.000.00mt com o qual pretende comprar material de construção (blocos, areia, ferro e outros) para dar continuidade com a construção da sua casa.
Compromete se a pagar devidamente este empréstimo para poder aceder a outros. No futuro pretende solicitar mais empréstimos para concluir a sua residência e abrir uma creche para servir a crianças e aumentar a renda familiar.

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
  • 105
    View loans »
    Mozambique Loans Fundraising
  • $2,556,750
    Funds lent in using Kiva
  • 34.8
    Mozambique Meticais (MZN) = $1 USD

Success!! The loan was 100% repaid

A loan of $575 helped Laura Jose purchase of construciton materials (concrete block, sand, iron, etc.).
100% repaid
Repayment Term
17 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Mar 29, 2010
Listed
Apr 25, 2010
Currency Exchange Loss:
Possible
Ended:
Jul 15, 2011