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Arfino
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Arfino C. is 35 years old and a native of Nampula, a province in the north of Mozambique. He is a single father of three children: the first is 6 years old, the second is 3 years old, and the youngest is 3 months old. In addition to his children he supports his sister, sending her money in Nampula, where she lives.



Arfino studied through 6th grade and then did not continue because of his family’s financial situation. In 1984 he enrolled in the military, which was disarmed in 2002. With his retirement money he decided to open up a small business selling diverse products, a business which he continues to grow today with the help of his girlfriend. Open 7am to 5pm, the store primarily carries vaseline that sells for 15, 20, 30, 40, 50, and 60 meticals. The main challenge that he cites is the 30-km trip on public transit to transport his goods from the city of Maputo, where he acquires them. He earns 2100 meticals per month and is not able to save anything.



In January of this year, he was contracted as a security guard at a company called CMC. He works from 7am to 7am the following day, in 48-hour shifts. He has a monthly salary of 2400 meticals.



For Arfino this is his seventh loan in life, his second with Hluvuku [Kiva’s Field Partner] and his first with Kiva. He used his first loan of 7,000 meticals to buy merchandise. He obtained his five previous loans at Banco Tchuma.



In the near future, Arfino intends to expand his business by selling new products such as sacks of corn and peanuts.

Translated from Portuguese by April Newman, Kiva Volunteer.



Arfino C. tem 35 anos de idade, natural de Nampula, uma província que fica ao norte de Moçambique, solteiro e pai de 3 filhos com idade entre; primeiro 6 anos, segundo 3 anos e o mais novo com 3 meses de idade. Para alem dos filhos sustenta uma irmá enviando dinheiro para Nampula onde se encontra.



Arfino estudou até 6ªclasse e não continuou por condições financeira da família, em 1984 ingressou nos serviços militar qual veio a ser desmobilizado em 2002, e com o valor da reforma decide abrir um pequeno negocio de vende de produtos diversos, actividade que desenvolve até a data hoje com apoio da esposa com um horário das 7H as 17Horas . tem como produto em destaque a Vaselina que vende por (15mt; 20mt;30mt;40mt;50mt;60mt. Aponta como principal dificuldade o transporte uma vez que os produtos adquire na cidade de Maputo e desloca de transporte Publico a uma distancia de 30km. Tem um rendimento mensal de 2100,00mt e não consegue poupar nenhum.



Em Janeiro do presente ano foi contratado como segurança numa empresa denominada CMC. Com horário de 7... as 7horas do dia seguinte e um intervalo de 48horas. Tem um salário mensal de 2400,00mt Para Arfino este é o segundo empréstimo na Hluvuku e primeiro no kiva, onde o primeiro foi de 7000,00mt qual usou para compra de produtos e Sétimo na vida onde os 5 obteve do Banco Tchuma.



No futuro tão breve Arfino pretende ampliar o seu negocio vendendo novos produtos tais como Milho e Amendoim em sacos.

About Mozambique

  • $1,389
    Average annual income
  • 34
    View loans »
    Mozambique Loans Fundraising
  • $2,446,150
    Funds lent in using Kiva
  • 23.8
    Mozambique Meticais (MZN) = $1 USD

Success!! The loan was 100% repaid

A loan of $525 helped Arfino to increase stock for his shop.
100% repaid
Repayment Term
18 months (Additional Information)
Repayment Schedule
Monthly
Disbursed:
Aug 13, 2008
Listed
Jul 29, 2008
Currency Exchange Loss:
Covered
Ended:
Jan 15, 2010