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Jose Maria
José Maria D. S. is from the city of Matola in the province of Maputo. He is 36 years old, married and a father to two children aged 7 and 4, the eldest of whom already goes to school.

José was in school until the 12th grade when he left his studies due to a few small social problems. He has never moved away from the city and he lived with his parents until he got married.

José has worked as a supervisor in a café for more than 10 years and has a monthly salary of 10000,00 MZN, working from 8 am to 10 pm. He lives in his own house.

This is José's third loan from Hluvuku and his first from Kiva. His biggest dream is to see his house be completed and to repay his loan before it is due in order to ask for another loan to purchase a vehicle.

View original language description ↓
José Maria D. S. é natural da cidade da Matola província do Maputo, tem 36 anos de idade, casado e pai de dois filhos com idade entre 7 e 4 anos respectivamente, onde o mais velho já vai a escola.

José estudou até 12ªclasse e parou por ter tido pequenos problemas de carater social, desde a sua infância nunca mudou da cidade sempre viveu na mesma e em casa D. seus pais até ao seu casamento.

Jose trabalha numa esplanada como supervisor a mais de 10 anos, tem um salário mensal de 10000,00mt, obedecendo um horário de trabalho das 8h as 22h. vive numa casa própria.

Para José este é o terceiro empréstimo na Hluvuku e primeiro no Kiva, tendo como maior sonho ver a sua casa concluída e concluir o pagamento antes do tempo para solicitar outro afim de comprar uma viatura.

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
  • 44
    View loans »
    Mozambique Loans Fundraising
  • $2,854,625
    Funds lent in using Kiva
  • 25.5
    Mozambique Meticais (MZN) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,025 helped Jose Maria purchase of construction materials.
100% repaid
Repayment Term
17 months (Additional Information)
Repayment Schedule
Feb 2, 2009
Feb 19, 2009
Currency Exchange Loss:
Jun 15, 2010