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He's married and has three children, two of whom still attend school. He lives with his family in a house he owns and also supports a nephew who lives with him.
He works as an administrative assistant for a private company. With the current loan he intends to purchase construction supplies (cement, brackets, sand, zinc sheets, iron, etc.) in order to continue building his house.
In the future he wishes to finish building his home, upgrade his education level and improve his family's living conditions. For that reason he pledges to repay the loan as scheduled, so he can request more loans from Hluvuku.
His challenge is the lack of funds for investing and the high cost of living.
View original language description ↓
Casado e pai de 3 filhos dos quais 2 ainda frequentam a Escola, vive na casa própria com a sua família e sustenta mais 1 sobrinho que vive com ele.
Trabalha como técnico administrativo numa empresa privada. Com o presente empréstimo pretende comprar material de construção (cimento, estribos, areia, chapas de zinco, ferro e outros) para dar continuidade a obra da sua casa.
No futuro deseja concluir a sua residência, aumentar o seu nível de escolaridade e melhorar as condições de vida da sua família, para tal compromete-se a pagar devidamente o empréstimo para solicitar mais a Hluvuku.
O desafio é a falta de fundos de investimento, e o elevado custo de vida.

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
  • 41
    View loans »
    Mozambique Loans Fundraising
  • $2,858,300
    Funds lent in using Kiva
  • 27.6
    Mozambique Meticais (MZN) = $1 USD

Success!! The loan was 100% repaid

A loan of $550 helped Justino to purchase construction supplies (cement, brackets, sand, zinc sheets, iron, etc.).
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Jun 27, 2012
Aug 1, 2012
Currency Exchange Loss:
Aug 17, 2013