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Selemane was born in the province of Nampula in northern Mozambique. He is married and is the father of 3 children, all of whom go to school. He studied through the 8th grade and stopped due to his parents' lack of financial resources. He lives in his own home with his family and also supports his sister and nephew, who live with him.

He left Nampula for Maputo in the district of Boane on a mission with the military. He has been demobilized and has received a pension for more than 20 years. His pension is 5,000 meticals, which he puts towards his home's expenses. He also saves some in his bank account.

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 fifth loan with Hluvuku, and it is for 20,000 meticals. He will use it to buy construction materials for his home (rock, cement, beams, iron, etc.). His previous loans were for 15,000, 15,000, 18,000, and 18,500, and all were applied to his home.

He promises to make his payments on time. In the future, he plans to finish his house and grow his business, for which he is planning on requesting more loans from Hluvuku.
View original language description ↓
Nasceu na Província de Nampula, Norte de Moçambique, casado e pai de 3 filhos todos frequentam a Escola. Fez a 8ª classe e parou por falta de condições financeiras pela parte dos pais, vive na casa própria com a sua família e sustenta a irmã e o sobrinho que vivem com ele.

Saiu de Nampula para Maputo no distrito de Boane em missão de serviço, é pensionista desmobilizado há mais de 20 anos e tem uma pensão de, que aplica nas despesas de casa e poupa algum na sua conta bancária.

Nunca teve empréstimo noutros bancos, conheceu a Hluvuku através de um amigo que também é cliente desta instituição. Este é o seu quinto empréstimo na Hluvuku no valor de 20.000.00mt, com qual pretende comprar material de construção para a obra da sua casa (pedra, cimento, barrotes, ferro, e outros). Os empréstimos anteriores foram de 15.000.00mt, 15.000.00mt, 18.000.00mt, e 18.500.00mt, aplicados na habitação.

Compromete se a pagar devidamente e no futuro pretende concluir a sua casa e fazer crescer o seu negócio, 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
  • 114
    View loans »
    Mozambique Loans Fundraising
  • $2,802,350
    Funds lent in using Kiva
  • 27.2
    Mozambique Meticais (MZN) = $1 USD

Success!! The loan was 100% repaid

A loan of $750 helped Selemane to buy construction materials for his home (rock, cement, beams, iron, etc.).
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Mar 6, 2012
Mar 28, 2012
Currency Exchange Loss:
May 19, 2013