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Alberto was born in the city of Maputo in the province of the same name in southern Mozambique. He is married and is the father of 2 children, one of whom goes to elementary school, and the other is still a baby. He studied through the 12th grade. He lives in his own home with his family and doesn't support anyone else besides them.

He has been a laboratory assistant for more than 5 years for MISAU. He has a monthly salary of 3,700 meticals that he puts towards his home's expenses. He also saves some in his bank account at the BIM bank.

He has never had a loan with another bank. He became familiar with Hluvuku through a friend who is also a client of the institution. This is his second loan with Hluvuku in the amount of 15,000 meticals, which he will use to buy construction materials for his home (windows, doors, cement, sand, etc.). His previous loan was for 12,000 meticals, which he also put towards his home.

He promises to make his payments on time. In the future, he wants to finish his house and invest in a science and technology class, for which he is planning on requesting more loans from Hluvuku.
View original language description ↓
Nasceu na cidade de Maputo, Província de mesmo nome, Sul de Moçambique, casado e pai de 2 filhos dos quais um frequenta a Escoa e o outro ainda é bebé. Frequenta a 12ª classe, vive na casa própria com a sua família e não sustenta mais ninguém.

É assistente de laboratório há mais de 5 anos pertence ao quadro do MISAU e tem um salário de 3.700.00mt que aplica nas despesas de casa e poupa algum na sua conta bancária (BIM).
Nunca teve empréstimo noutros bancos, conheceu a Hluvuku através de um amigo que também é cliente desta instituição. Este é o seu segundo empréstimo na Hluvuku no valor de 15.000.00mt, com qual pretende comprar material de construção para a obra da sua casa (janelas, portas, cimento, areia e outros). O empréstimo anterior foi de 12.000.00mt,aplicado na habitação.
Compromete se a pagar devidamente e no futuro pretende concluir a obra da sua casa e investir no curso de ciências e tecnologia, 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

  • $1,200
    Average annual income
  • 39
    View loans »
    Mozambique Loans Fundraising
  • $2,854,625
    Funds lent in using Kiva
  • 27.0
    Mozambique Meticais (MZN) = $1 USD

Success!! The loan was 100% repaid

A loan of $575 helped Alberto to buy construction materials for his home (windows, doors, cement, sand, etc.).
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Feb 28, 2012
Mar 19, 2012
Currency Exchange Loss:
May 19, 2013