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Rubens was born in the city of Xai-Xai, in the province of Gaza in southern Mozambique. He is married and the father of four children who are still in school. He attended school through the seventh grade but had to drop out because of his parents' financial difficulties. He lives in his own home with his family and also supports three nephews, sending money to help with their expenses.

He has been a security guard at a private house for more than three years, and is also retired from CFM (Mozambique Railways). He earns a total of 5,000 meticals a month, which he uses to pay for household expenses and save some in his bank account.
He's never had a loan from other banks. He heard about Hluvuku through a friend who is also a client of the institution. This is his third loan with Hluvuku, in the amount of 17,000 meticals, which he will use to purchase construction materials (cement, stone, sand, beams, etc.) to continue construction on his house. His previous loans, in the amounts of 12,000 and 18,000 meticals, were also used for his home.
He is committed to paying off this loan without any problems and in the future intends to buy electric pumps to increase productivity on his farm, for which he will request further loans from Hluvuku.
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Nasceu na cidade de Xai-Xai, Provincia de Gaza, sul de Moçambique, casado e pai de 4 filhos todos ainda frenquentam a Escola. Fez 7ª classe e nao continuou por falta de condicoes financeiras pela parte dos pais. Vive na casa propria com a sua familia e sustenta mais 3 sobrinhos enviando dinheiro para auxiliar nas despesas.

É segurança numa casa privada ha mais de 3 anos e também pensionista na empresa CFM (caminhos de ferro de Moçambique) recebe mensalmente 5.000.00mt juntados os 2 rendimentos que aplica nas despesas de casa e poupa algum na sua conta bancaria (BIM).
Nunca teve emprestimo noutros bancos, conheceu a Hluvuku atravez de um amigo que tambem é cliente desta instituição. Este é o seu terceiro emprestimo na Hluvuku no valor de 17.000.00mt, com qual pretende comprar material de construção da sua casa (cimento, pedra, areia, barrotes, e outros). Os emprestimos anteriores foram de 12.000.00mt e 18.000.00mt aplicados na obra da sua casa.
Compromete se a pagar devidamente e no futuro pretende comprar motobombas, para aumentar a produtividade na sua machamba, para tal tenciona 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
  • 27
    View loans »
    Mozambique Loans Fundraising
  • $2,913,225
    Funds lent in using Kiva
  • 26.8
    Mozambique Meticais (MZN) = $1 USD

Success!! The loan was 100% repaid

A loan of $650 helped Rubens to purchase construction materials (cement, stone, sand, beams, etc.) to continue construction on his house.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Oct 11, 2011
Nov 2, 2011
Currency Exchange Loss:
Dec 18, 2012