Celestino was born in the city of Tete, in the province of the same name in northern Mozambique. He is married and the father of five children, who all still attend school. He studied medicine and lives in his own home with his family, and isn't financially responsible for anyone else.
He left Tete for Boane to fulfill his compulsory military service. He's retired from the Ministry of Defense and has had his own shop for more than four years. His earnings and pension together give him an income of around 12,500 meticals a month, which he uses for household expenses and also saves some in his bank account (BIM).
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 fourth loan with Hluvuku, in the amount of 25,000 meticals, which he will use to buy products (rice, flour, beer, soft drinks, oil, etc.) for his business. His first loans were in the amounts of 9,000, 15,000, and 20,000 meticals, which he also invested in his business. He is committed to paying off this loan and in the future hopes to request further loans from Hluvuku to expand the products he carries.
Nasceu na cidade de Tete, Província do mesmo nome, Norte de Moçambique, casado e pai de 5 filhos todos ainda frequentam a Escola. Fez o nivel superior em medicina, vive na casa propria com a sua familia e nao sustenta ninguem.
Saiu de Tete para o Distrito de Boane cumprindo com o serviço militar obrigatorio, É pencionista do Ministerio da Defesa e comeciante ha mais de 4 anos, juntando a pensaõ e seu negocio consegue um rendimento de cerca de 12.500.00mt 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 um 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 produtos para reforçar o seu negocio (arroz, farinha, cervejas, refrescos, oleo e outros). 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 adquirir uma viatura para ajudar no escoamento da sua mercadoria, para tal tenciona solicitar mais emprestimos a Hluvuku.