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She was born in the district of Boane, province of Maputo, southern Mozambique. She is married and has seven children, only one of which still attends school. She completed 4th grade and stopped because her parents lacked financial conditions. She lives with her family in a house she owns and also supports her grandson who lives with her.
She has been selling various products for over five years and, with help from her husband who also receives a retirement pension, she earns an income of about 7.500mt a month. She uses it to pay for home expenses and saves part of it in her bank account.
She has never had loans in other banks. She first heard of Hluvuku through a friend who is also a client of this institution. This is her third loan with Hluvuku. It is for 15.000mt, which she intends to use to purchase construction supplies for her house (stone, metal sheets, rafters, iron, cement, etc.). The other loans were for 10.500 and 12.000mt, for personal housing expenses.
She pledges to repay as scheduled. In the future she plans to finish building her home and to set up a business. For that reason she intends to request more loans from Hluvuku.
View original language description ↓
Nasceu no Distrito de Boane, Provincia de Maputo, Sul de Moçambique, casada e mãe de 7 filhos dos quais apenas 1 ainda frequenta a Escola. Fez a 4ªclasse e parou por falta de condições financeiras pela parte dos seus pais. Vive na casa propria com a sua familia e sustenta seu neto que vive com ela.

É comerciante e vende pordutos diversos ha mais de 5 anos e conta com apoio do seu marido que tambem recebe uma pensão, por mês consegue um rendimento de cerce de 7.500.00mt que aplica nas despesas de casa e poupa algum na sua conta bancaria.
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 15.000.00mt, com qual pretende comprar material de construção para a sua casa (pedra, chapas, barrotes, ferro, cimento, e outros). Os primeiros emprestimos foram de 10.500.00mt, e para habitação.
Compromete se a pagar devidamente e no futuro pretende concluir a obra da a sua casa e construir 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

  • $1,200
    Average annual income
  • 26
    View loans »
    Mozambique Loans Fundraising
  • $2,911,950
    Funds lent in using Kiva
  • 26.2
    Mozambique Meticais (MZN) = $1 USD

Success!! The loan was 100% repaid

A loan of $575 helped Rosa to purchase construction supplies for her house (stone, metal sheets, rafters, iron, cement, etc.).
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Nov 28, 2011
Dec 14, 2011
Currency Exchange Loss:
Dec 18, 2012