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Zulfa
Zulfa was born in the Boane district, Maputo province, in southern Mozambique. She is married and has 4 children. Three of them have their own homes and 1 is still in school. She attended school through the 4th grade but dropped out due to her parents' financial situation. She lives in her own home with her family and also supports a grandson who lives with her.

Zulfa is a merchant and has had a business selling used clothes for more than 4 years. She earns around 6.500.00mt monthly, which she uses for household expenses and savings in her bank account (BIM).

She has had prior loans in other banks (GGLS) a long time ago and she paid them without any problems. She learned about Hluvuku through a friend who is also a client. This is her fourth loan with Hluvuku, in the amount of 25.000.00mt, which she plans to use to purchase bundles of clothing to increase her stock. The prior loans were for 9.000.00mt, 15.000.00mt, and 20.000.00mt, all for her business. She promises to make her payments on schedule. In the future she plans to build a shop where she can display her products, and for that purpose she intends to request additional loans from Hluvuku.
View original language description ↓
Nasceu no Distrito de Boane, Província de Maputo, Sul de Moçambique, casada e mãe de 4 filhos dos 3 ja tem os seus lares e 1 ainda frequenta a Escola. Fez a 4ª classe e parou por falta de condições financeiras pela parte dos pais. Vive na casa propria com a sua familia e sustenta seu neto que vive com ela.

É negociante dedica-se a venda de roupa usada ha mais de 4 anos e tem um rendimento de cerca de 6.500.00mt por mês que aplica nas despesas de casa e poupa algum na sua conta bancaria(BIM).
Já teve emprestimos noutros bancos(GGLS) a bastante tempo e pagou sem dificuldades, conheceu a Hluvuku atravez de uma amigo que tambem é cliente desta instituição. Este é o seu quarto emprestimo na Hluvuku no valor de 25.000.00mt, com qual pretende comprar fardos de roupa para aumentar a quantidade da sua mercadoria.Os primeiros emprestimos foram de: 9.000.00mt, 15.000.00mt, e 20.000.00mt, para o negocio.
Compromete se a pagar devidamente e no futuro pretende melhorar construir um estabelecimento comercial onde possa expor o seu produto, para tal tenciona solicitar mais emprestimos a Hluvuku.

About Mozambique

  • $1,389
    Average annual income
  • 46
    View loans »
    Mozambique Loans Fundraising
  • $2,628,425
    Funds lent in using Kiva
  • 26.6
    Mozambique Meticais (MZN) = $1 USD

Success!! The loan was 100% repaid

A loan of $950 helped Zulfa to purchase used clothing for resale.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Nov 8, 2011
Listed
Nov 26, 2011
Currency Exchange Loss:
Possible
Ended:
Oct 16, 2012