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Sónia
Sonia A. M. was born in the province of Gaza in the south of Mozambique. She is 27 years old, married, and has a 12-year-old son who attends school. Sonia only studied through 5th grade, and didn't continue because of her parents’ lack of financial resources. She lives with her family in their own house and doesn’t help support anyone else financially.

She left Gaza for the Boane district of Maputo with her parents when she was still quite young. She has owned her own business for more than 5 years. She doesn’t employ any help and has a monthly income of around 9000 Meticais. She uses this income to cover household expenses and occasionally saves some in her bank account as well.

Sonia has never taken out a loan with another bank. She found out about Hluvuku [the Kiva Field Partner] through a friend who also works with the institution. This is her 2nd loan, for the amount of 15,000 Meticais. She plans to use this money to buy construction materials (cement, bars, blocks, iron and other items) in order to continue working on the construction of her home. Her earlier loan was for 5000 Meticais and was used for the same purpose.

She promises to repay the loan as indicated in order to be eligible for other loans later. In the future she would like to apply for more loans to finish her house and offer her family better living conditions.
View original language description ↓
Sónia A. M. nasceu na Província de Gaza, sul de Moçambique, tem 27 anos de idade, casada e mãe de 1 filho de 12 anos de idade, vai a escola. Fez somente 5ą classe não continuou devido a falta de condições financeiras por parte dos progenitores. Vive na casa própria com a sua família e não sustenta mais ninguém.
Saiu de Gaza para Maputo no Distrito de Boane com seus pais ainda muito nova. Tem um negocio próprio ha mais de 5 anos, não possui nenhum empregado e tem um rendimento de cerca de 9.000.00mt que aplica nas despesas de casa e ainda poupa algum de vez enquanto na sua conta bancária.
Nunca teve empréstimos em outros bancos, conheceu a Hluvuku através de sua amiga que também é cliente desta instituição. Este é o seu 2º empréstimo no valor de 15.000.00mt com o qual pretende comprar material de construção (cimento, barrotes, blocos, ferro e outros) para dar continuidade com a construção da sua casa. O empréstimo anterior foi no valor de 5.000.00mt para a mesma actividade.
Compromete se a pagar devidamente este empréstimo para poder aceder a outros. No futuro pretende solicitar mais empréstimos para conclusão da sua casa e oferecer melhores condições de habitabilidade a sua família.

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
  • 134
    View loans »
    Mozambique Loans Fundraising
  • $2,802,350
    Funds lent in using Kiva
  • 33.8
    Mozambique Meticais (MZN) = $1 USD

Success!! The loan was 100% repaid

A loan of $450 helped Sónia purchase of construction materials (cement and other items).
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Apr 20, 2010
Listed
May 12, 2010
Currency Exchange Loss:
Possible
Ended:
Nov 15, 2011