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Emerciana was born in the city of Maputo, in the province of the same name in southern Mozambique. She is married and has three children, all of whom go to school. She went to school through the seventh grade but had to drop out because of financial difficulties. She lives with her family in a home they own, and isn't financially responsible for anyone else.

She and her family left Maputo for Boane when she was still very young. She's had a shop for more than four years and earns about 11,000 meticals a month. She uses her earnings for household expenses and is able to save some in her bank account.
She has never had loans from other banks. She learned about Hluvuku from friends who are also clients of the institution. This is her first loan with Hluvuku, in the amount of 20,000 meticals, which she will use to buy commercial products (peanuts, rice, juice, soft drinks, wines, etc.) to increase the quantity of merchandise she carries.
She intends to request more loans from Hluvuku to keep her business strong and build a larger house.
View original language description ↓
Nasceu na cidade de Maputo, Provincia do mesmo nome, sul de Moçambique, casada e mãe de 3 filhos que ainda frenquentam a Escola. Fez 7ª classe e naõ continuou devido a dificuldades financeiras. Vive na casa propria com a sua familia e não sustenta mais ninguem.

Saiu de sua terra natal para Boane com sua familia ainda muito jovem, é comerciante ha mais de 4 anos e consegue um rendimento de cerca de 11.000.00mt por mês que aplica nas despesas de casa e poupa algum na sua conta bancaria.
Nunca teve emprestimos em outros bancos, conheceu a Hluvuku atravez de amigas que tambem saõ clientes desta instituição. Este é o seu primeiro emprestimo na Hluvuku no valor de 20.000.00mt, com qual pretende comprar produtos comerciaiais (amendoim, arroz, sumos, refrescos, vinhos e outros) para aumentar a quantidade da sua mercadoria.
No futuro vai manter o seu negocio mais forte e construir uma casa maior, assim irá solicitar mais emprestimos a Hluvuku.

About Mozambique

  • $1,200
    Average annual income
  • 25
    View loans »
    Mozambique Loans Fundraising
  • $2,911,950
    Funds lent in using Kiva
  • 26.4
    Mozambique Meticais (MZN) = $1 USD

Success!! The loan was 100% repaid

A loan of $775 helped Emerciana to buy commercial products (peanuts, rice, juice, soft drinks, wines, etc.).
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Oct 4, 2011
Oct 20, 2011
Currency Exchange Loss:
Oct 16, 2012