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Joana is married and has five children, one of whom is in school. She lives with her family in a home they own and is not financially responsible for anyone else. She has had her own business for some time and will use this loan to buy construction materials (sand, cement, stone, sheet metal, etc.) to finish the veranda on her house. In the future she hopes to build rooms to rent out to increase her income. She is committed to paying off this loan so that she can request further loans from Hluvuku. Her greatest challenges are how hard she has to work and paying off the loans.
View original language description ↓
Casada e mãe de 5 filhos, 1 ainda frequenta Escola. Vive na casa própria com a sua família e não sustenta mais ninguém.
Negociante há bastante tempo e Com presente empréstimo pretende comprar material de construção (areia, cimento, pedra, chapas, e outros) para fazer acabamentos da varanda da sua casa.
No futuro deseja construir dependências de aluguer para obter mais rendimento, para tal compromete-se a pagar devidamente o empréstimo para solicitar mais a Hluvuku.
O desafio é trabalhar a dobrar e continuar com os empréstimos.

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
  • 42
    View loans »
    Mozambique Loans Fundraising
  • $2,854,625
    Funds lent in using Kiva
  • 28.6
    Mozambique Meticais (MZN) = $1 USD

Success!! The loan was 100% repaid

A loan of $350 helped Joana to buy construction materials (sand, cement, stone, sheet metal, etc.) to finish the veranda on her house.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Jul 31, 2012
Sep 1, 2012
Currency Exchange Loss:
Oct 17, 2013