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Natercia Da Conceicao
Natercia da Conceicao T. was born in Maputo City, Maputo Province in southern Mozambique. She is married and has three children, ages 5 to 18. The elder children are still in school. Natercia only finished ninth grade and did not continue due to financial difficulties. She lives in her own house with her family and does not support anyone else.

She left Maputo to move to Boane with her family when they finished building their new home. She has had her own business for more than five years. She has no employees and has a monthly income of 5,500 meticais, which she uses for household expenses. She is also able to save some money through Xitique (a traditional system of rotating savings).

She has never had loans from other banks. She learned about Hluvuku through friends who are customers of this institution. This is Natercia's fifth loan with Hluvuku, and she is asking for 25,000 meticais. She intends to buy products (soft drinks, peanuts, sugar, broth and other items) to increase the amount of stock she has. The previous loans were for 8,300 meticais, 10,450 meticais, 12,000 meticais and 15,000 meticais and were for the business.

She promises to make her payments on time so she can take out more loans in the future. She intends to ask for other loans to expand her sales stand.
View original language description ↓

Natercia da Conceicao T. nasceu na cidade de Maputo, Província de mesmo nome, sul de Moçambique casada mãe de 3 filhos de idades entre 05 a 18 anos, os mais velhos continuam a estudar. Fez somente 9ª classe não continuou devido a falta de condicoes financeiras. Vive na casa própria com a sua família e não sustenta mais ninguém.

Saiu de Maputo para Boane com a sua familia quando concluiram a nova residencia, tem um negocio proprio ha mais de 5 anos. Não possui nenhum empregado e tem um rendimento mensal de 5.500.00mt por mês que aplica nas despesas de casa e consegue poupar uma parte atravez de Xitique (sistema tradicional de poupanca rotativa).

Nunca teve empréstimos em outros bancos, conheceu a Hluvuku através de suas amigas que são clientes desta instituição. Este é o seu quinto empréstimo na Hluvuku no valor de 25.000.00mt com o qual pretende comprar produtos (refrescos, amendoim, acucar, caldo e outros) para aumentar a quantidade de seu stock. Os emprestimos anteriores foram de 8.300.00, 10.450.00, 12.000.00 e 15.000.00mt para o comercio.

Compromete se a pagar devidamente para poder aceder a outros créditos no futuro. Pretende solicitar novos empréstimos para ampliar a sua banca.

About Mozambique

  • $1,389
    Average annual income
  • 32
    View loans »
    Mozambique Loans Fundraising
  • $2,456,975
    Funds lent in using Kiva
  • 31.0
    Mozambique Meticais (MZN) = $1 USD

Success!! The loan was 100% repaid

A loan of $825 helped Natercia Da Conceicao to buy products (soft drinks, peanuts, sugar, broth, etc.).
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Mar 22, 2011
Listed
Apr 29, 2011
Currency Exchange Loss:
Possible
Ended:
Jan 15, 2013