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Afrita Júlio
Afrita Julio was born in the district of Boane in the province of Maputo in southern Mozambique. She is a single mother of four chidren, two of whom are in school. The other two are already working. She studied through the sixth grade but stopped due to her parents' lack of financial resources. She lives in her own home with her family and also supports one granddaughter that lives with her.

She has worked as a bookbinder for Impressão Gráfica for more than 36 years. She has a salary of 8,600 meticals, which she puts towards her home's expenses. She also saves some in her bank account in the BIM bank.

She has had a loan with the Barclays bank and paid it back without any problems. She became familiar with Hluvuku through a friend who is also a client of the institution. This is her fourth loan with Hluvuku in the amount of 16,000 meticals. She will use it to buy construction materials for her home (beams, windows, glass, doors, cement, etc.). Her previous loans were for 15,000, 16,000, and 30,000, and all were applied to her home.

She promises to make her payments on time, and in the future, she wants to finish her home and furnish it. She is planning on requesting more loans from Hluvuku to do this.
View original language description ↓

Nasceu no Distrito de Boane, Província de Maputo, Sul de Moçambique, solteira e mãe de 4 filhos dos quais apenas um frequenta a Escola e os outros já estão a trabalhar. Fez a 6ª classe e parou por falta de condições financeiras pela parte dos pais, vive na casa própria com a sua família e sustenta 1 neta que vive com ela.


Trabalha como encadernadora de Impressão Gráfica académica há mais de 36 anos e tem um salário de 8.600.00mt, que aplica nas despesas de casa e poupa algum na sua conta bancária (BIM).

Já teve empréstimo no Barclays e conseguiu pagar sem dificuldades, conheceu a Hluvuku através de uma amiga que também é cliente desta instituição. Este é o seu quarto empréstimo na Hluvuku no valor de 16.000.00mt, com qual pretende comprar material de construção para a obra da sua casa (barrotes, janelas, vidros, portas, cimento, e outros). Os empréstimos anteriores foram de 15.000.00mt, 16.000.00mt, e 30.000.00mt, aplicados na habitação.
Compromete se a pagar devidamente e no futuro pretende concluir a sua casa e mobilar, 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
  • 131
    View loans »
    Mozambique Loans Fundraising
  • $2,808,950
    Funds lent in using Kiva
  • 28.0
    Mozambique Meticais (MZN) = $1 USD

Success!! The loan was 100% repaid

A loan of $550 helped Afrita Júlio to buy beams, windows, glass, doors, cement, etc., to continue construction of her home.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Mar 6, 2012
Listed
Apr 5, 2012
Currency Exchange Loss:
Possible
Ended:
May 19, 2013