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Jose
José was born in the town of Beira, in the Sofala Province, in Central Mozambique. He is 44 years old, married and the father of 4 children who are 14, 12, 9 and 6 years old. All of the children go to school. He only went to school until the 8th grade. He wasn't able to finish school because he was drafted for military service. He lives with his family in his own house and doesn't support anyone else.

He left Beira to go to Maputo after completing his military service in 1986. He moved there alone and later established his family. Upon completing his military service he started working for the Ministry of the Interior as a driver. He doesn't have any employees and earns 7.820.00mt per month, which goes towards household expenses. He manages to save some money in his savings account (Barclays Bank).

He has requested a loan with Millenium Bim Bank and later decided not to continue to request loans. He came to know Hluvuku through friends who were already partners of the institution. This loan, in the amount of 25.000.00mt, is his fourth. The previous loans were for 7.700.00mt, 12.000.00mt and 14.000.00mt, all invested towards the same goal.

One of his biggest goals is to finish his house in order to provide better living conditions for his family. He intends to request more loans to invest in finishing his house.
View original language description ↓
José A. nasceu na cidade da Beira, Província de Sofala, centro de Moçambique tem 44 anos de idade, casado e pai de 4 filhos de 14, 12, 09 e 06 anos de idade, todos vão a escola. Fez somente 8ą classe não continuou porque foi incorporado para o serviço militar obrigatório. Vive na casa própria com a sua família e não sustenta mais ninguém.
Saiu da Beira para Maputo cumprindo com o serviço militar em 1986, veio sozinho mais tarde constituiu sua família em Boane. Depois da desmobilização entrou no Ministério do Interior afecto como motorista, não possui nenhum empregado e tem um salário de 7.820.00mt por mês, que aplica nas despesas de casa e ainda poupa algum na sua conta bancária (Barclays).
Já teve empréstimos no Banco Millenium Bim, mais tarde decidiu não continuar. Conheceu a Hluvuku através de amigos que já são clientes desta instituição. Este é o seu 4º empréstimo no valor de 25.000.00mt com o qual pretende comprar material de construção (tintas, tijoleiras, cimento e outros) para dar continuidade com a construção da sua casa. Os empréstimos anteriores foram de 7.700.00mt, 12.000.00mt e 14.500.00mt todos para a mesma actividade.
Um dos seus maiores projectos é concluir a sua residência para oferecer melhores condições de Habitabilidade a sua família. Pretende solicitar mais empréstimos para aplicar na conclusão da sua obra.

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
  • 16
    View loans »
    Mozambique Loans Fundraising
  • $2,316,975
    Funds lent in using Kiva
  • 33.5
    Mozambique Meticais (MZN) = $1 USD

Success!! The loan was 100% repaid

A loan of $750 helped Jose purchase of building materials (paint, bricks, cement and others).
100% repaid
Repayment Term
17 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Mar 30, 2010
Listed
Apr 29, 2010
Currency Exchange Loss:
Possible
Ended:
Jul 15, 2010