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He's married and the father of two children, one of whom is already in school. He lives with his family in a house he owns and doesn't support anyone else.
He's head of department at a company that produces and sells bananas. With this loan he intends to purchase construction supplies (cement, sand, rocks, iron, etc.) in order to enlarge his house.
In the future he wishes to go back to school and complete his studies. For that reason he pledges to repay the loan as scheduled so he can request more loans from Hluvuku.
The challenge he faces is reconciling his work and school schedules so that he can move forward with his education.
View original language description ↓
Casado e pai de 2 filhos, dos quais 1 já frequenta Escola, vive na casa própria com a sua família e não sustenta mais ninguém.
É chefe de secção na empresa de produção e venda de Banana e com este empréstimo pretende comprar material de construção (cimento, areia, pedra, ferro e outros) para ampliar a sua casa.
No futuro deseja regressar a Escola e continuar com os estudos, para tal compromete-se a pagar devidamente o empréstimo para solicitar mais a Hluvuku.
O desafio é conseguir harmonizar o horário de trabalho com a Escola para continuar com a sua formação académica.

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
  • 25
    View loans »
    Mozambique Loans Fundraising
  • $2,907,150
    Funds lent in using Kiva
  • 30.1
    Mozambique Meticais (MZN) = $1 USD

Success!! The loan was 100% repaid

A loan of $450 helped Joao to purchase construction supplies (cement, sand, rocks, iron, etc.) in order to enlarge his house.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Oct 30, 2012
Dec 1, 2012
Currency Exchange Loss:
Aug 17, 2013