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Elsa Raul
Elsa was born in the city of Matola, Maputo province, in southern Mozambique. She is married and mother of two children who don't yet attend school. She completed her education through secondary school and is continuing her studies. She owns the home where she lives with her family and she does not support anyone else.

Elsa has been a professor for more than 5 years and she earns a salary of 5.000.00mt, which she uses for household expenses and savings in her bank account (BIM). She previously had a loan through BIM and was able to pay it without any difficulties. She learned about Hluvuku through a friend who is also a client. This is her second loan with Hluvuku, in the amount of 20.000.00mt, which she will use to purchase construction materials for her home (iron, cement, beams, doors, metal panels, etc.). The prior loan was for 11.000.00mt, also for her home. She promises to make her payments as scheduled. In the future she plans to complete her college education and intends to request additional loans from Hluvuku for that purpose.
View original language description ↓
Nasceu na cidade da Matola, Província de Maputo, Sul de Moçambique, casada e mãe de 2 filhos que ainda não frequentam a Escola. Fez o nível médio do ensino geral e continua a estudar. Vive na casa própria com a sua família e não sustenta mais ninguém.

É professora há mais de 5 anos e tem um salário de 5.000.00mt, que aplica nas despesas de casa e poupa algum na sua conta bancária (BIM). Já teve empréstimo no BIM e conseguiu pagar sem dificuldades. Conheceu a Hluvuku através de uma amiga que também é cliente desta instituição. Este é o seu segundo empréstimo na Hluvuku no valor de 20.000.00mt, com qual pretende comprar material de construção para a obra da sua casa (ferro, cimento, barrotes, portas, chapas e outros). O empréstimo anterior foi de 11.000.00mt, para habitação.
Compromete se a pagar devidamente e no futuro pretende concluir os seus estudos superiores, para tal tenciona solicitar mais empréstimos 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
  • 23
    View loans »
    Mozambique Loans Fundraising
  • $2,374,025
    Funds lent in using Kiva
  • 27.0
    Mozambique Meticais (MZN) = $1 USD

Success!! The loan was 100% repaid

A loan of $750 helped Elsa Raul to buy materials for her house; iron, cement, beams, doors, metal sheets, etc.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Feb 28, 2012
Listed
Mar 13, 2012
Currency Exchange Loss:
Possible
Ended:
Jul 17, 2013