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Teresa
She was born in the town of Matola, province of Maputo, southern Mozambique. She's single and has six children - three of them attend school, the others have already started their own families. She completed 2nd grade and stopped because her parents lacked financial conditions. She lives with her family in a house she owns and also supports her grandson who lives with her.
She has been a businesswoman for over 20 years. She sells various products and earns an income of about 5.000mt. She uses it to pay for home expenses and also saves part of it in her bank account.
She has never had loans with other banks. She first heard of Hluvuku through a friend who is also a client of this institution. This is her 14th loan with Hluvuku. It is for 22.000mt, which she intends to use to purchase goods in order to increase the quantity of her merchandise (rice, flour, beans, refreshments, etc.). The previous loans were for 3.900mt, 4.500mt, 5.100mt, 7.310mt, 8.072mt, 10.000mt, 10.393mt, 12.000mt, 12.248mt, 15.000mt, 16.616mt, 22.000mt and 25.022mt, for her business.
She pledges to make her repayments as scheduled. In the future she intends to expand her business, and for that purpose she plans to request more loans from Hluvuku.
View original language description ↓
Nasceu na cidade da Matola, Província de Maputo, Sul de Moçambique, solteira e mãe de 6 filhos dos quais 3 frequentam a Escola e os outros já formaram suas famílias. Fez a 2ª classe e parou por falta de condições financeiras pela parte de seus pais, vive na casa própria com a sua família e sustenta o seu neto que vive com ela.


É negociante há mais de 20 anos dedica-se a venda de produtos diversos e tem um rendimento de cerca de 5.000.00mt, que aplica nas despesas de casa e poupa algum na sua conta bancária (BCI).

Nunca teve empréstimo noutros bancos, conheceu a Hluvuku através de uma amiga que também é cliente desta instituição. Este é o seu décimo quarto empréstimo na Hluvuku no valor de 22.000.00mt, com qual pretende comprar produtos para aumentar a quantidade da sua mercadoria (arroz, farinha, feijão, refrescos, e outros). Os empréstimos anteriores foram de 3.900.00mt, 4.500.00mt, 5.100.00mt, 7.310.00mt, 8.072.00mt, 10.000.00mt, 10.393.00mt, 12.000.00mt, 12.248.00mt, 15.000.00mt, 16.616.00mt, 22.000.00mt, e 25.022.00mt, aplicados no comércio.

Compromete se a pagar devidamente e no futuro pretende ampliar o seu negócio, para tal tenciona solicitar mais empréstimos a Hluvuku.

About Mozambique

  • $1,389
    Average annual income
  • 64
    View loans »
    Mozambique Loans Fundraising
  • $2,429,250
    Funds lent in using Kiva
  • 27.7
    Mozambique Meticais (MZN) = $1 USD

Success!! The loan was 100% repaid

A loan of $800 helped Teresa to purchase goods for selling (rice, flour, beans, refreshments, 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:
Jul 17, 2013