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He's married and has two children who attend school. He lives with his family in a house he owns and doesn't support anyone else.
He's a teacher and a staffer of the Ministry of Education. With the current loan he intends to purchase construction supplies (cement, zinc sheets, iron, sand, beams, etc.) in order to continue building his house.
In the future he wishes to finish building his home and a surrounding wall so that he can offer more comfort for his family. For that reason he pledges to repay the loan as scheduled, so he can request more loans from Hluvuku.
His challenge is the high cost of living and his higher education.
View original language description ↓
Casado e pai de 2 filhos que frequentam a Escola, vive na casa própria com a sua família e não sustenta mais ninguém.
É professor e quadro do Ministério de Educação. Com o presente empréstimo pretende comprar material de construção (cimento, chapas de zinco, ferro, Areia, barrotes e outros) para dar continuidade com a obra da sua casa.
No futuro deseja concluir a sua casa e construir um murro de vedação para oferecer melhor conforto a sua família, para tal compromete-se a pagar devidamente o empréstimo para solicitar mais a Hluvuku.
O desafio é o elevado custo de vida e a sua formação superior.

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
  • 118
    View loans »
    Mozambique Loans Fundraising
  • $2,802,350
    Funds lent in using Kiva
  • 27.6
    Mozambique Meticais (MZN) = $1 USD
Ended with Loss - Currency Exchange Loss learn more
A loan of $850 helped Arnaldo to purchase construction supplies (cement, zinc sheets, iron, sand, beams, etc.).
99% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Jun 27, 2012
Aug 1, 2012
Currency Exchange Loss:
Mar 27, 2014