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She's single and has two children, one of whom is still too young to go to school. She lives with her parents and doesn't support anyone else.
She's a teacher and a staffer of the Ministry of Education. With the current loan she intends to purchase construction supplies (zinc sheets, beams, iron, cement, etc.) in order to continue building her house.
In the future she wishes to go back to school and to furnish her house. For that reason she pledges to repay the loan as scheduled so that she can request more loans from Hluvuku.
The challenge she faces is repaying the loan and getting into other lines of work in order to increase her earnings.
View original language description ↓
Solteira e mãe de 2 filhos, 1 ainda menor de idade para frequentar a Escola, vive na casa dos pais e não sustenta mais ninguém.
É docente e quadro do Ministério da Educação. Com o presente empréstimo pretende comprar material de construção (chapas de zinco, barrotes, ferro, cimento e outros) para dar continuidade com a obra da sua casa.
No futuro deseja voltar a Escola e mobilar a sua casa, para tal compromete-se a pagar devidamente o empréstimo para solicitar mais a Hluvuku.
O desafio é liquidar o empréstimo e dedicar-se mais a outras actividades para aumentar a sua receita.

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
  • $2,911,950
    Funds lent in using Kiva
  • 30.2
    Mozambique Meticais (MZN) = $1 USD

Success!! The loan was 100% repaid

A loan of $500 helped Esperança to purchase construction supplies (zinc sheets, beams, iron, cement, etc.) in order to continue building her house.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Nov 5, 2012
Dec 1, 2012
Currency Exchange Loss:
Jun 17, 2014