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Alfresina was born in the province of Maputo. She is 44 years old, divorced, and has three children between the ages of 7 and 24, who all attend school. She attended school until the 9th grade when she dropped out due to pregnancy. She lives in a home given to her by her parents, with her mother and children. She separated from her husband after the birth of of her youngest son, age 3. She grew up with both of her parents and only left when she had to go to her home in Boane. Before working she had small businesses.

She works for a humanitarian organization focused on HIV/AIDS called PFUCANE (which means Wake Up in the local language) as a community facilitator. She earns 4.500,00MT and has been working there for more than 3 years.

She had a loan with Procredito bank for an unspecified amount that was used for the purchase of construction materials. At the end of the loan, she decided not to continue with that bank due to inflexible payment options. This is her first loan with Hluvuku-Adsema, for 20.000,00MT to be used to purchase construction materials for a concrete house that has already been started (cement, blocks, sand, nails, etc.). She plans to pay the loan back without any problems so that she can have access to future loans with the goal of finishing her house. She dreams of seeing her home finished to provide comfort for her children and to later be able to equip/furnish it.
View original language description ↓
Alfresina nasceu na província de Maputo, tem 44 anos de idade, divorciada e mãe de 3 filhos com idades compreendidas entre 7 e 24 anos, todos freqüentam escola. Estudou ate 9 classe e parou quando teve gravidez precoce.
Vive na casa cedida pelos pais, com a mãe e seus filhos. Separou se do marido logo depois do parto do ultimo filho de 3 anos.

Cresceu na companhia dos seus pais e só saiu quando teve que ir ao lar, na vila de boane, e antes de trabalhar fazia pequenos negócios.
Trabalha para uma organização humanitária no tema de HIV/SIDA denominada PFUCANE (que significa Despertai em língua local) como facilitadora comunitária. Recebe 4.500,00MT e trabalha ha mais de 3 anos.

Já teve empréstimo com o banco (Procredito) no valor não especificado que se destinava a compra de material de construção. Apos a conclusão, não preferiu continuar com o banco devido às modalidades de pagamento inflexíveis.
Este é o seu primeiro empréstimo com a Hluvuku-Adsema no valor de 20.000,00MT para compra de material de construção de casa de alvenaria iniciada (cimento, blocos, areia, pregos e outros).

Propõe se a pagar o empréstimo sem problemas para poder aceder a mais créditos com objectivo de concluir a sua casa. Sonha ver a casa terminada para poder confortar os seus filhos e posterior apetrecha mento.

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
  • 35
    View loans »
    Mozambique Loans Fundraising
  • $3,096,400
    Funds lent in using Kiva
  • 26.7
    Mozambique Meticais (MZN) = $1 USD

Success!! The loan was 100% repaid

A loan of $750 helped Alfrezina purchase of construction materials ( cement, sand, blocks, etc.).
100% repaid
Repayment Term
18 months (Additional Information)
Repayment Schedule
Aug 31, 2009
Sep 12, 2009
Currency Exchange Loss:
Jul 25, 2010