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He's a widower and has two children who attend school. He lives with his family in a house he owns and also supports his brother and niece who live with him.
He works as a self-employed electrical technician. With the current loan he intends to purchase construction supplies (cement, iron, rocks, sand, nails, etc.) in order to continue building his house.
In the future he wishes to further improve his house and to get a professional degree as a refrigeration technician. For that reason he pledges to repay the loan as scheduled so that he can request more loans from Hluvuku.
The challenge he faces is expanding the services he provides so he can increase his earnings and apply for more loans.
View original language description ↓
Viúvo e pai de 2 filhos que frequentam a Escola, vive na casa própria com a sua família e sustenta sua irmão e sobrinha que vivem com ele.
Trabalha como electrotécnico a conta própria. Com o presente empréstimo pretende comprar material de construção (cimento, ferro, pedra, areia, pregos e outros) para dar continuidade com a construção da sua casa.
No futuro deseja melhorar ainda mais a sua residência e formar-se como técnico de frio, para tal compromete-se a pagar devidamente o empréstimo para solicitar mais a Hluvuku.
O desafio é ampliar a sua prestação de serviços para poder aumentar a sua receita e conseguir pedir mais 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
  • 43
    View loans »
    Mozambique Loans Fundraising
  • $2,854,625
    Funds lent in using Kiva
  • 30.0
    Mozambique Meticais (MZN) = $1 USD

Success!! The loan was 100% repaid

A loan of $675 helped Tomás to purchase construction supplies (cement, iron, rocks, sand, nails, etc.) in order to continue building his house.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Nov 13, 2012
Dec 1, 2012
Currency Exchange Loss:
Aug 17, 2013