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Josefa
Josefa is 40 years old and originally from the Inhambane Province. She has been a widow since 1994 and has 2 children: a 18-year-old boy that goes to teacher’s professional school and a 16-year-old girl that is still in 9th grade at the secondary school.


Josefa studied until 6th grade in Inhambane, but due to limited places for 7th grade, she moved to Namaacha in 1985 to live with her older brother that was a teacher. Josefa was studying at night and working at an agriculture company during the day. One year later, she got pregnant, so she stopped studying. She then worked for 3 years producing clothes at a local company, but had to leave because she got pregnant again. That was Josefa’s hardest period; she was selling vegetables at the local market and barely making any money.


In 1992 Josefa started cooking meals. She had a stand in the border (Namaacha borders Swaziland) and would cook meals daily. In 1999 the border was closed, and all the stands where taken and sent to a far away open market, that only opens twice a week (on Wednesdays and Saturdays). Since then life has been very difficult, as Josefa only works twice a week. Each meal as in the picture (chicken, tomato’s salad and the traditional “chima” made of corn) is sold for MTn 40 (around US$1.6). Josefa makes around MTn 200 to MTn 300 in profits for a day. Since she sells food on credit, it is difficult to know the actual amount of money she may receive n a day.


This is Josefa’s first loan with Hluvuku. She intends to use the MTn 6,000 to buy a large amount of raw material (tomatoes, corn, chicken, oil and so on) so that she can stop asking for credit at other stands. This will help her make more profit at the end of the day. In the future, Josefa would like to build her own stand elsewhere, where she could work every day of the week and make even more money.

About Mozambique

  • $1,389
    Average annual income
  • 102
    View loans »
    Mozambique Loans Fundraising
  • $2,547,825
    Funds lent in using Kiva
  • 24.5
    Mozambique Meticais (MZN) = $1 USD

Success!! The loan was 100% repaid

A loan of $250 helped Josefa buy raw material: produce, meats and other necessities for the “restaurant/food” stand.
100% repaid
Repayment Term
18 months (Additional Information)
Repayment Schedule
Monthly
Disbursed:
Apr 29, 2008
Listed
Apr 15, 2008
Currency Exchange Loss:
Covered
Ended:
Sep 15, 2009