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Celeste Alfredo
Celeste Alfredo C. was born in the district of Manhiça, in the province of Maputo in the south of Mozambique. She is married and has 7 children ranging in age from 19 to 38 years old. Four of her children are working and 3 attend school. She lives in her own house and helps support her niece, who lives with her.

Celeste moved from Manhiça to the district of Namaacha with her husband, who was transferred there for work. She started a business selling meals in the barracks on the border with Swaziland; these were later closed by the government due to the pollution in the area. With the help of her neighbor, who did well raising poultry, she built a chicken coop by her house and started raising chickens. She has also become very successful with this venture. She's raised hundreds of chicks and has spent around 50,000 Meticais in doing so, while she can sell each chicken for 125 Meticais. She staggers the age of the chicks so that she always has mature chickens to sell. She sells most of her chickens wholesale, since she saves on feed that way, and she's made a profit of 12,500 Meticais. She also sells directly to local consumers, though her profit doing this is only 10,000 Meticais. She uses this income to cover household expenses and also saves some in her bank account.

Celeste has never taken out a loan with another bank. She found out about Hluvuku [the Kiva Field Partner] through friends who also work with the institution. This is her 5th loan, for the amount of 20,000 Meticais. She plans to use this money to buy chicks, feed and vitamins in order to increase the number of chickens she can raise, as she want more chickens to sell during the coming holidays. Her earlier loans were for 10,000, 10,500 and 25,000 Meticais and were used for the same purpose.

She is confident that she will be able to repay the loan ahead of schedule and take out new loan to buy a pushcart that will help her in her daily work.
View original language description ↓
Celeste Alfredo C. nasceu no Distrito de Manhiça, na Provincia de Maputo, Sul de Moçambique, casada mãe de 7 filhos, com idades comprieendidas entre os 19 aos 38 anos de idade, 4 deles já estão empregados e 3 vão a Escola. Vive na casa propria e responsabiliza se pela sua sobrinha que vive com ela em sua casa.

Celeste sai de Manhiça para Vila de Namaacha com seu esposo, este que foi transferido para trabalhar naquele Distrito, ela inicia com o negócio de venda refeições nas barracas da fronteira que depois foram abolidas pelo Governo do Distrito devido a poluição do ambiente. Com ajuda do seu vizinho que também era um grande criador ela constroi uma capoeira na sua residência e inicia com o mesmo negócio e tornou se numa grande criadora ate então, tem criado no maximo 100x5 caixas de pintos gastando 50.000.00mt e vende cada frango a 125.00mt, cria em fases para poder vender alternadamente. Tem vendido a maior parde dos frangos a grosso, pois gastam menos ração e tem tido um lucro de 12.500.00mt e por unidade para consumidores locais o lucro decresce para 10.000.00mt que aplica nas despesas de casa e ainda consegue poupar algum na sua conta bancaria.

Nunca teve empréstimos em outros bancos, conheceu a Hluvuku através de amigas que também são clientes desta Instituição. Este é o seu 5º empréstimo no valor de 20.000.00mt para comprar pintos, ração e vitaminas para aumentar a quantidade de frangos para calhar com a época festiva que se aproxima. Os anteriores emprestimos de (10.000.00, 10.500.00 e 25.000.00) forão também usados para a mesma finalidade.

Esta confiante que vai pagar antes do tempo previsto e pedir um novo empréstimo para adquirir uma carrinha que lhe facilitara nos trabalhos diários.

About Mozambique

  • $1,389
    Average annual income
  • 36
    View loans »
    Mozambique Loans Fundraising
  • $2,379,100
    Funds lent in using Kiva
  • 35.3
    Mozambique Meticais (MZN) = $1 USD

Success!! The loan was 100% repaid

A loan of $575 helped Celeste Alfredo purchase of chicks, feed and vitamins.
100% repaid
Repayment Term
18 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Oct 26, 2010
Listed
Nov 24, 2010
Currency Exchange Loss:
Possible
Ended:
Mar 20, 2012