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Joana
She was born in the municipality of Manhiça, province of Maputo, southern Mozambique. She's married and has a daughter who attends school. She graduated as a teacher and stopped due to lack of time. She lives with her family in a house she owns and also supports her parents by sending money to help with their expenses.
She left Manhica for Boane when she got transferred because of work. She has been a teacher for over 10 years and earns a salary of 7.619mt. She uses it to pay for home expenses and also saves part of it in her bank account.
She has had a loan with BIM for 30.000mt, which she used to purchase consumer goods, and she managed to repay it without difficulties. She first heard of Hluvuku through a friend who is also a client of this institution. This is her 5th loan with Hluvuku. It is for 20.000mt, which she intends to use to purchase construction supplies in order to build her house (zinc sheets, doors, iron, windows, etc). The previous loans were for 6.500mt, 9.200mt, 10.000mt and 25.000mt, for housing expenses.
She pledges to make her repayments as scheduled. In the future she intends to finish building her home, and for that purpose she plans to request other loans from Hluvuku.
View original language description ↓
Nasceu no Município da Manhiça, Província de Maputo, Sul de Moçambique, casada e mãe de 1 filha que frequenta a Escola. Formou se como professora e parou por falta de tempo, vive na casa própria com a sua família e sustenta os seus pais enviando dinheiro para auxiliar nas despesas.

Saiu de Manhica para Boane quando foi transferida pelos serviços. É professora há mais de 10 anos e tem um salário de 7.619.00.00mt, que aplica nas despesas de casa e poupa algum na sua conta bancária (BIM).

Já teve empréstimo no BIM no valor de 30.000.00mt aplicado na compra de bens de consumo e conseguiu pagar sem dificuldades, conheceu a Hluvuku através de uma amiga 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 (chapas de zinco, portas, ferro, janelas, e outros). Os empréstimos anteriores foram de 6.500.00mt, 9.200.00mt, 10.000.00mt, e 25.000.00mt, aplicados na habitação.

Compromete se a pagar devidamente e no futuro pretende concluir a sua casa, 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
  • 48
    View loans »
    Mozambique Loans Fundraising
  • $2,391,625
    Funds lent in using Kiva
  • 27.7
    Mozambique Meticais (MZN) = $1 USD

Success!! The loan was 100% repaid

A loan of $725 helped Joana to purchase construction supplies in order to build her home (zinc sheets, doors, iron, windows, 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:
Dec 18, 2012