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Cidalia
Cidalia was born in the Matutuine district, Maputo Province, in southern Mozambique. She is a widow and has 7 children who are all grown. She never had the opportunity to attend school because her parents did not allow her to attend when she was a child. She owns the home where she lives with her family and she also supports a grandson who lives with her.

She left Matutuine for the Boane district when she got married. She is a merchant and has sold a variety of products for over 20 years. She earns around 3.000.00mt per month, which she uses for household expenses and savings in her bank account (BIM).

She has never had a loan with other banks. She learned about Hluvuku from a friend who is also a client. This is her sixth loan with Hluvuku, in the amount of 20.000.00mt, which she plans to use to purchase construction materials to continue building her home (iron, sand, cement, stones, concrete block, etc.). The prior loans were for 6.000.00mt, 7.000.00mt, 10.000.00mt, 12.000.00mt, and 15.000.00mt, for her business and housing.

She promises to make her payments on time. In the future she plans to finish construction on her home and to expand her business by building a shop. She plans to request additional loans from Hluvuku for these purposes.
View original language description ↓
Nasceu no Distrito de Matutuine, Província de Maputo, Sul de Moçambique, viuva e mãe de 7 filhos todos maiores de idade. Nunca te oportunidade de estudar porque os pais nao a deixaram quando era crianca. Vive na casa propria com a sua familia e sustenta mais um neto que vive com ela.

Saiu de Matutuine para o Distrito de Boane quando casou, é negociante dedica-se a venda de produtos diversos ha mais de 20 anos e tem um rendimento de cerca de 3.000.00mt por mês que aplica nas despesas de casa e poupa algum na sua conta bancaria(BIM).
Nunca teve emprestimos noutros bancos, conheceu a Hluvuku atravez de uma amigo que tambem é cliente desta instituição. Este é o seu sexto emprestimo na Hluvuku no valor de 20.000.00mt, com qual pretende comprar material de construção para dar continuidade a obra da sua casa(ferro, areia, cimento, pedra,blocos e outros).Os primeiros emprestimos foram de: 6.000.00mt, 7.000.00mt, 10.000.00mt, 12.000.00mt, e 15.000.00mt,para o negocio e habitação.
Compromete se a pagar devidamente e no futuro pretende terminar a obra da sua casa e ampliar o seu negocio construindo um estabelecimento comercial, 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

  • $1,389
    Average annual income
  • 117
    View loans »
    Mozambique Loans Fundraising
  • $2,556,750
    Funds lent in using Kiva
  • 26.6
    Mozambique Meticais (MZN) = $1 USD

Success!! The loan was 100% repaid

A loan of $775 helped Cidalia to purchase materials to continue construction on her home (iron, sand, cement, stones, concrete block, etc.).
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Nov 8, 2011
Listed
Nov 25, 2011
Currency Exchange Loss:
Possible
Ended:
Jun 19, 2013