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Selemane R. is 40 years old and is from Nampula city in Nampula province. He is married and has 5 children who are 17, 14, 11, 7 and 3 years old. The oldest four are in school and the youngest is still at home. He owns a home in Boane. He studied until the 7th grade when he had to quit school in order to fulfill his obligatory military service. He not only cares for his own family, he also cares for a nephew who is studying at the Agrarian Institute of Boane. Selemane was born in Nampula and when he was 18 he left to complete his 4-year military service. After that he went to work in South Africa for 5 years, then returned to Maputo city to raise his family, which is where he lives today. He is a permanent salesman, which he learned how to do more than 9 years ago with friends in South Africa. He does not have any employees but he counts on his wife’s help. His average salary is 4.000,00MT per month which is enough to sustain his family and save a little for future investments that will help his business grow. He learned about Hluvuku-Adsema through friends that are also Hluvuku’s clients. This is his fourth loan with Hluvuku, the other three have been in the amounts of 15.000,00MT, 18.000,00MT e 18.500,00MT, all of which he used for his business. With this loan for 20.000,00MT he wants to buy a variety of clothing to resell. The best sellers are clothing and candy, both of which have a constantly varying price. His objectives are to continue improving his business and he dreams of one day building a commercial property with more space. He pledges to pay this loan without problems so that he will qualify for future loans.
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Selemane R., de 40 anos de idade, natural de Nampula, província de Nampula, casado e pai de 05 filhos de 17, 14, 11, 07 e 03 anos de idade, os quatro primeiros estudam e o ultimo não, vive na casa própria em Boane, estudou ate 7ª e teve que interromper para cumprir o serviço militar obrigatório. Actualmente sustenta para alem da família o sobrinho que se encontra a estudar no internato do Instituto Agrário de Boane.

Nasceu em Nampula e com 18 anos saiu para trabalho de serviço militar obrigatório durante 04 anos, depois foi trabalhar na RSA (republica da áfrica do sul) durante 05 anos aonde mais tarde veio à cidade de Maputo criar o seu lar e vive ate hoje com a sua família.

O seu trabalho e de comercio permanente, aprendeu a fazer o mesmo há 09 anos com amigos na RSA, não tem empregados conta apenas com ajuda da sua esposa, o seu rendimento médio e de 4.000,00MT com o qual sustenta a família e consegue poupar para fazer novos investimentos o que contribuira para o crescimento do seu negocio.

Conheceu a Hluvuku-Adsema através de amigos que também são nossos clientes, este é o seu quarto na Hluvuku-Adsema tendo se beneficiado de empréstimos de 15.000,00MT, 18.000,00MT e 18.500,00MT todos destinados ao comercio.

Com o empréstimo de 20.000,00MT pretende comprar diversos tipos de roupas para revenda dos quais os melhores são o vestuário e rebuçados e o preço varia consoante o tempo. Os seus objectivos daqui para frente são de melhorar cada vez mais o seu negocio e sonha em um dia construir o seu estabelecimento comercial com mais espaço.
Propõe-se a pagar o empréstimo sem problemas para puder aceder a outros empréstimos.

About Mozambique

  • $1,200
    Average annual income
  • 1
    View loans »
    Mozambique Loans Fundraising
  • $3,044,625
    Funds lent in using Kiva
  • 26.5
    Mozambique Meticais (MZN) = $1 USD

Success!! The loan was 100% repaid

A loan of $575 helped Selemane buying and reselling clothes.
100% repaid
Repayment Term
18 months (Additional Information)
Repayment Schedule
Jul 20, 2009
Aug 19, 2009
Currency Exchange Loss:
Jul 24, 2010