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Carlos
Carlos was born in the district of Mocuba in the province of Zambnezia in central Mozambique. He is married and is the father of 3 adult children. He studied through the 12th grade and didn't continue due to lack of time. He lives in his own home with his family and doesn't support anyone besides them.

He came to Maputo on an assignment with the military. He is retired from the Bank of Mozambique and has been a pharmacy technician for more than 20 years. He makes 11,000 meticals per month, which he puts towards his home's expenses. With the help of his wife, he also saves some in his bank account at the BIM bank.

He has had loans with other banks (Socremo and ProCredit), which he paid back without problems. He became familiar with Hluvuku through a friend who is also a client of the institution. This is his first loan with Hluvuku in the amount of 20,000 meticals. He will use it to buy construction materials for his home (beams, sand, cement, stone, etc.).

He promises to pay back his loan on time. In the future, he wants to finish his home, for which he plans on requesting more loans from Hluvuku.
View original language description ↓
Nasceu no Distrito de Mocuba, Província da Zambnezia, centro de Moçambique, casado e pai de 3 filhos já maior de idade. Fez 12ª classe e não continuou devido a falta de tempo. Vive na casa própria com a sua família e não sustenta ninguém.

Veio a Maputo em missão de serviço, É reformado do Banco de Moçambique e técnico de farmácia há mais de 20 anos. Tem um salário de 11.000,00mt por mês que aplica nas despesas de casa e com ajuda do salário da sua esposa poupa algum na sua conta bancária (BIM)

Já teve empréstimos noutros bancos (SOCREMO e PROCREDIT) e pagou sem dificuldades. Conheceu a Hluvuku através de um amigo que também é cliente desta instituição. Este é o seu primeiro empréstimo na Hluvuku no valor de 20.000.00mt, com qual pretende comprar material de construção para a obra da sua casa (barrotes, areia, cimento, pedra e outros).
Compromete se a pagar devidamente o empréstimo e no futuro pretende terminar a sua obra, 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
  • 136
    View loans »
    Mozambique Loans Fundraising
  • $2,804,225
    Funds lent in using Kiva
  • 27.5
    Mozambique Meticais (MZN) = $1 USD
Ended with Loss - Currency Exchange Loss learn more
A loan of $750 helped Carlos to buy construction materials for his home (beams, sand, cement, stone, etc.).
99% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Apr 4, 2012
Listed
Apr 27, 2012
Currency Exchange Loss:
Possible
Ended:
Jun 19, 2013