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Sandra Ester
Sandra Ester was born in the district of Boane in the province of Maputo in southern Mozambique. She is married and is the mother of three children, all of whom go to school. She studied through the seventh grade and stopped due to her parents' lack of financial resources. She lives in her own home with her family and also supports her parents by sending them food.

She has worked at a repair shop for more than five years. She also has had a business for more than six years. She makes almost 5,000 meticals, which she puts towards her home's expenses. She also saves some in her bank account in the BIM bank.

She has never had a loan with another bank. She became familiar with Hluvuku through a friend who is also a client of the institution. This is her third loan with Hluvuku, and it is for 15,000 meticals. She will buy construction materials for her home (cement, iron, sand, etc.). Her previous loans were for 10,000 and 15,000, which she put towards her home.

She promises to make her payments on time. In the future, she wants to finish her home and build a wall outside it to give her family more security. She plans on requesting more loans from Hluvuku to do this.
View original language description ↓
Nasceu no Distrito de Boane, Província de Maputo, Sul de Moçambique, casada e mãe de 3 filhos todos frequentam a Escola. Fez a 7ª classe e parou por falta de condições financeiras pela parte dos pais, vive na casa própria com a sua família e sustenta os pais enviando produtos alimentares.

Trabalha como servente numa rectificadora há mais de 5 anos e também negociante há mais de 6 anos e tem um rendimento de cerca de 5.000.00mt, que aplica nas despesas de casa e poupa algum na sua conta bancária (BIM).

Nunca teve empréstimo noutros bancos, conheceu a Hluvuku através de uma amiga que também é cliente desta instituição. Este é o seu terceiro empréstimo na Hluvuku no valor de 15.000.00mt, com qual pretende comprar material de construção para a obra da sua casa (cimento, ferro, areia, e outros). Os empréstimos anteriores foram de 10.000.00mt, e 15.000.00mt, aplicados na habitação.
Compromete se a pagar devidamente e no futuro pretende concluir a sua casa e construir um murro para dar mais segurança a sua família, 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 $725 helped Sandra Ester to buy construction materials for her home (cement, iron, sand, etc.).
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Mar 6, 2012
Listed
Apr 6, 2012
Currency Exchange Loss:
Possible
Ended:
Feb 15, 2013