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Bernardo is married and is the father of six children, two of whom are still in school. He lives in his own home with his family and also supports his grandmother and one nephew who live with him.

He is a metal worker by profession. With his current loan, he will buy construction materials (beams, metal sheets, cement, sand, stone, etc.) to continue work on his home.

In the future, he hopes to empower his children to finish college. To do this, he promises to make his payments on time so he can request more loans in the future. His main challenge is to finish his home to give more comfort to his family.
View original language description ↓
Casado e pai de 6 filhos dos quais 2 ainda continuam com os Estudos, vive na casa própria com a sua família e sustenta a sua avo e 1 sobrinho que vivem com ele.
É serralheiro de profissão e com o presente empréstimo pretende comprar material de construção (barrotes, chapas, cimento, areia, pedra e outros), para dar continuidade a obra da sua casa.

No futuro deseja dar força aos filhos para terminarem a faculdade, para tal compromete-se a pagar devidamente o empréstimo para solicitar mais.
O principal desafio é concluir a sua casa para melhor confortar a sua família.

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
  • 29
    View loans »
    Mozambique Loans Fundraising
  • $2,907,150
    Funds lent in using Kiva
  • 27.3
    Mozambique Meticais (MZN) = $1 USD

Success!! The loan was 100% repaid

A loan of $450 helped Bernardo to buy construction materials (beams, metal sheets, cement, sand, stone, etc.).
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
May 8, 2012
May 26, 2012
Currency Exchange Loss:
Dec 17, 2013