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Esperanca was born in the district of Guijá, in the province of Gaza in southern Mozambique. She is unmarried and has three children, two of whom are still in school. She went to school through the eleventh 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 left Gaza for Maputo, in Boane, to find a job. She has been a coordinator for HIV/AIDS activists in the Assoção PFUCANE for more than five years and earns about 11,000 meticals a month. She uses her salary to pay for household expenses and also saves a little in her bank account.
She's had loans from other banks (Tchuma) for her business, which she paid off without any problems. She learned about Hluvuku from friends who are also clients of the institution. This is her third loan with Hluvuku, in the amount of 12,000 meticals, which she will use to buy construction materials (sand, stone, rebar, iron, etc.) to build a house. Her first loans, in the amounts of 20,500 and 25,000 meticals, were both used on the house.
She hopes to ask for further loans from Hluvuku to finish the wall around her house so she can offer her family more security.
View original language description ↓
Nasceu no Distrito de Guijá, provincia de Gaza , sul de Moçambique, solteira e mãe de 3 filhos dos quais todos ainda frequentam a Escola. Fez a 11ª classe e não continuou devido a falta de condições financeiras. Vive na casa propria com a sua familia e não sustenta mais ninguem.

Saiu da sua terra natal Gaza para Maputo em Boane a procura de emprego, é coordenadora dos activistas na area de HIV-SIDA na Assoção PFUCANE ha mais de 5 anos e tem um salario de 11.000.00mt, por mês que aplica nas despesas de casa e poupa algum na sua conta bancaria.
Já teve emprestimos em outros bancos (TCHUMA) para o negocio e conseguiu pagar sem dificuldades. Conheceu a Hluvuku atravez de amigas que tambem saõ clientes desta instituição e este é o seu terceiro emprestimo na Hluvuku no valor de 12.000.00mt, com qual pretende comprar material de construcao para obra da sua casa (areia, pedra, barrotes, ferro, e outros). Os primeiros emprestimos foram de: 20.000.00mt, e 25.000.00mt, para concluir a obra da sua casa.
Pretende solicitar mais valor para concluir o murro da sua casa para oferecer mais segurança a sua familia assim, 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
  • 136
    View loans »
    Mozambique Loans Fundraising
  • $2,804,850
    Funds lent in using Kiva
  • 26.4
    Mozambique Meticais (MZN) = $1 USD

Success!! The loan was 100% repaid

A loan of $475 helped Esperanca to buy construction materials (sand, stone, rebar, iron, etc.) for her house.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Sep 19, 2011
Oct 21, 2011
Currency Exchange Loss:
Aug 15, 2012