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Tomas
Tomas was born in the city of Maputo in the province of the same name in southern Mozambique. His is married and is the father of 5 children, 4 of whom are in school. He finished studying through the 12th grade and stopped due to his parents' lack of financial resources. He lives in his own home with his family and doesn't support anyone else besides them.

He has been an employee in the National Ministry of Defense for more than 28 years and has a salary of 8,338 meticals, which he puts towards his home's expenses. He also save some in his bank account at the BIM bank.

He has already had a loan with the BIM bank for 50,000 meticals, which he paid back without any problem. He became familiar with Hluvuku through a friend who is also a client of the institution. This is his third loan with Hluvuku, and it is for 25,000 meticals. He will use it to buy construction materials for his home (sand, rock, cement, beams, iron, etc.). His previous loans were for 23,678 and 18,000 meticals, which he also put towards his home.

He promises to make his payments on time. In the future, he plans to finish his home and continue with his studies, for which he is planning on requesting more loans.
View original language description ↓
Nasceu na cidade de Maputo, Província de mesmo nome, Sul de Moçambique, casado e pai de 5 filhos dos quais 4 ainda frequentam a Escola. Fez a 12ª classe e parou por falta de condições financeiras pela parte dos pais, vive na casa própria com a sua família e não sustenta mais ninguém.

Trabalha como funcionário no ministerio da desfesa nacional há mais de28 anos e tem um salário de 8.338.00.00mt, que aplica nas despesas de casa e poupa algum na sua conta bancária (BIM).
Já teve empréstimo no BIM no valor de 50.000.00mt para habitação e pagou sem dificuldades, conheceu a Hluvuku através de um amigo que também é cliente desta instituição. Este é o seu terceiro empréstimo na Hluvuku no valor de 25.000.00mt, com qual pretende comprar material de construção para a obra da sua casa (areia, pedra, cimento, barrotes, ferro, e outros). Os empréstimos anteriores foram de 23.678.00mt, e 18.000.00mt,aplicados na habitação.
Compromete se a pagar devidamente e no futuro pretende concluir a sua casa e continuar com os estudos, para tal tenciona solicitar mais empréstimos.


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
  • 61
    View loans »
    Mozambique Loans Fundraising
  • $2,718,275
    Funds lent in using Kiva
  • 27.2
    Mozambique Meticais (MZN) = $1 USD

Success!! The loan was 100% repaid

A loan of $925 helped Tomas to buy construction materials for his house (sand, rock, cement, beams, iron, etc.).
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Mar 6, 2012
Listed
Mar 28, 2012
Currency Exchange Loss:
Possible
Ended:
Apr 18, 2013