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Ana Joaquim
Ana Joaquim M. was born in Massinga District, Inhambane Province in southern Mozambique. She is separated and has two children, ages 9 and 13. Both children are still in school. Ana only finished sixth grade and did not continue with school because her parents could not afford it. She lives in her own house with her family and does not support anyone else.

She left Inhambane to move to her brother's house in Maputo in search of better living conditions. For more than nine years she has worked in a banana production and sales company in Boane District. She receives a salary of 1,690 meticais per month and earns 850 meticais from her own business. Ana uses this money for household expenses and is able to save some through Xitique (a traditional system of rotating savings).

She has never had loans with other banks, and she learned about Hluvuku by talking with coworkers who are customers of this institution. This is Ana's first Hluvuku loan, and she is asking for 9,000 meticais to buy construction material (zinc sheets, cement, door frames and other items) to continue construction on her house.

She promises to make her payments on time so she can take out more loans in the future. She intends to ask for more loans to finish her house so she can house relatives from her hometown, and she plans to expand her business.
View original language description ↓

Ana Joaquim M. nasceu no Distrito de Massinga, Província de Inhambane, sul de Moçambique separada mae de 2 filhos de 09 e 13 anos todos ainda continuam a estudar. Fez somente 6ª classe nao continuou porque os pais nao dispunham de condicoes financeiras. Vive na casa própria com a sua família e nao sustenta mais ninguem.

Saiu de Inhambane para Maputo em casa do seu irmao a busca de melhores condicoes de vida. Trabalha numa empresa de producao e venda de Banana no Distrito de Boane ha mais de 9 anos, e recebe um salario de 1.690.00mt por mes e 850.00mt provenientes do seu negocio aplica nas despasas 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 conversa com colegas que são clientes desta instituição. Este é o seu primeiro empréstimo na Hluvuku no valor de 9.000.00mt com o qual pretende comprar material de construcao ( chapas de zinco, cimento, arros de porta e outros) para continuar com a construcao da sua casa.

Compromete se a pagar devidamente para poder aceder a outros créditos no futuro. Pretende solicitar novos empréstimos para concluir a sua casa para poder albergar familiares que se encontram na sua terra natal e ampliar o seu negocio.

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
  • 107
    View loans »
    Mozambique Loans Fundraising
  • $2,556,750
    Funds lent in using Kiva
  • 31.0
    Mozambique Meticais (MZN) = $1 USD

Success!! The loan was 100% repaid

A loan of $300 helped Ana Joaquim to buy construction material (zinc sheets, cement, door frames, etc.).
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Mar 23, 2011
Listed
Apr 28, 2011
Currency Exchange Loss:
Possible
Ended:
May 26, 2012