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Delfina Manhica
Delfina Manhiça L. was born in Boane District, in Maputo Province, in the south of Mozambique. She is the mother of 8 children, and the two youngest are still attending school. She only completed 4th grade and didn't continue in school due to financial circumstances. She lives in her own home with her children, and doesn't support anyone besides her children.

She has never left her native region. She has land where she has been farming for over 20 years, planting crops for sales and for consumption. She has two employees who help her in preparing the land. She has monthly earnings of around 85,000 meticais and 3,200 meticais in earnings from rent. She uses these earnings for household expenses and manages to save a portion in her bank account.

She has taken loans from other banks in the past. She learned of Hluvuku through neighbors who are clients of this institution. This is her fifth loans with Hluvuku. The loan is for 20,000 meticais, and she plans to use it to purchase construction materials (bricks, cement, iron, beams, and other items) to continue the construction of her home.

She is committed to repaying on schedule to be able to access other loans in the future. She plans to request new loans for cattle raising.
View original language description ↓
Delfina Manhiça L. nasceu no Distrito de Boane, Província de Maputo, sul de Moçambique Viuva e maê de 8 filhos os 2 mais novos ainda vao a Escolade. Fez somente 4ª classe nao continuou por falta de condições financeiras. Vive na casa própria com seus filhos e naõ sustenta ninguem para além de seus filhos.

Nunca saiu da sua terra natal, tem uma terra onde pratica agricultura ha mais de 20 anos plantandoculturas para comercialização e consumo. Possui 2 empregados que lhe auxiliam na preparação da terra e consegue um rendimento de cerca de 8.5.000.00mt por mês e 3.200.00mt de proveniente da renda da casa que aplica nas despasas de casa e consegue poupar uma parte na sua conta bancaria.

Ja teve empréstimos em outros bancos, conheceu a Hluvuku através de vizinhos que são clientes desta instituição. Este é o seu quinto empréstimo na Hluvuku no valor de 20.000.00mt com o qual pretende comprar material de construção ( blocos, cimento, ferro, barrotes 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 aplicar no projecto de criação de gado bovino.


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
  • 63
    View loans »
    Mozambique Loans Fundraising
  • $2,695,675
    Funds lent in using Kiva
  • 31.0
    Mozambique Meticais (MZN) = $1 USD

Success!! The loan was 100% repaid

A loan of $650 helped Delfina Manhica to purchase construction materials (bricks, cement, iron, beams, and other items).
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Mar 29, 2011
Listed
Apr 29, 2011
Currency Exchange Loss:
Possible
Ended:
Aug 15, 2012