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Julio was born in the city of Maputo in the province of the same name in southern Mozambique. He is married and the father of three children, all of whom are in school. He completed school through the 6th grade himself, but wasn't able to continue out of financial constraints. He lives in his own home with his family, which he supports.

He has lived in the Boane district of Maputo Province for more than 10 years and has been in the military for 27 years, receiving a monthly salary of 7,000 MZN [Mozambique Meticais], which goes to his household expenses and also some savings in his personal bank account.

He has never taken out a loan from any other bank and became aware of Hluvuku [Kiva field partner] through some friends who are also Hluvuku clients. This will be his sixth loan with Hluvuku in the amount of 15,000 MZN [Mozambique Meticais] with which he plans to buy construction materials for his house (bricks, metal, cement, etc.). His prior loans were in the amount of 5,600, 8,000, 10,000, 15,000, and 20,000 MZN [Mozambique Meticais], all of which were for this work. He plans to take out further loans from Hluvuku to finish his home and provide a more comfortable life for his family.
View original language description ↓
Nasceu na cidade de Maputo, provincia do mesmo nome, sul de Moçambique, casado e pai de 3 filhos onde todos frequentam a Escola. Fez 6ª classe e naõ continuou devido a falta de condições financeiras. Vive na casa propria com a sua familia e não sustenta mais ninguem.

Vive no Distrito de Boane provincia de Maputo ha mais de 10 anos, é militar ha 27 anos e recebe uma pensão de 7.000.00mt 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 amigos que tambem saõ clientes desta instituição. Este é o seu sexto emprestimo na Hluvuku no valor de 15.000.00mt, com qual pretende comprar material de construcao para a obra da sua casa (cimento, barrotes, areia, pedra, ferro, e outros). Os primeiros emprestimos foram de: 5.600.00mt, 8.000.00mt, 10.000.00mt, 15.000.00mt, e 20.000.00mt, todos para a sua obra.
Pretende solicitar mais valor para concluir a sua casa para oferecer mais conforto a sua familia, irá solicitar mais emprestimos a Hluvuku.

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
  • 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 $575 helped Julio to buy construction materials for his house (bricks, metal, cement, etc.).
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Oct 4, 2011
Oct 22, 2011
Currency Exchange Loss:
Sep 18, 2012