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Sergio is married and the father of two school-aged children. He lives with his family in a home they own and also supports his two brothers-in-law, who live with them. He works as a teacher and is on the Ministry of Education's staff. He will use this loan to purchase construction materials (iron, beams, sheet metal, windows, etc.) to continue the construction on his house.
In the future he hopes to finish building his house and continue his studies, and he is committed to paying off this loan so he can apply for further loans from Hluvuku. The challenge he faces is the high cost of construction materials and being able to complete all of the projects he has planned for himself.
View original language description ↓
Casado e pai de 2 filhos que frequentam a Escola, vive na casa própria com a sua família e sustenta seus cunhados que vivem com ele.
Trabalha como docente e quadro do Ministério de Educação. Com o presente empréstimo pretende comprar material de construção (ferro, aros, barrotes, chapas de zinco, janelas, e outros) para dar continuidade a obra da sua casa.

No futuro deseja concluir a sua casa, e continuar com os estudos ate a sua formação superior, para tal compromete-se a pagar devidamente o empréstimo para solicitar mais a Hluvuku.
O desafio é o elevado preço do material de construção e poder cumprir com todos projectos traçados.

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
  • 135
    View loans »
    Mozambique Loans Fundraising
  • $2,804,850
    Funds lent in using Kiva
  • 27.7
    Mozambique Meticais (MZN) = $1 USD
Ended with Loss - Currency Exchange Loss learn more
A loan of $725 helped Sergio to purchase construction materials (iron, beams, sheet metal, windows, etc.) to continue the construction on his house.
99% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Jun 27, 2012
Aug 1, 2012
Currency Exchange Loss:
Jul 17, 2013