A loan of $350 helped purchase of construction materials (doors, windows, etc.).

Fernando Joao's story

Fernando João José was born in the city of Chimoio, the capital of the province of Manica, which is in the center of Mozambique. He is 50, a widow, and the father of 2 children who are 14 and 16. Both of them go to school. He studied through 11th grade and didn't continue due to the lack of financial resources. He lives in his own home with his children and doesn't support anybody else. He left Chimoio in 1977 to complete his military service. After he finished his military career, he joined the Ministry of the Interior where he still works 8 hours a day. He has a monthly salary of 16,434 meticais, which he applies to his family's expenses and saves some in his bank account. He has never had a loan with another bank. He became familiar with Hluvuku through colleagues. This is his first loan in the amount of 10,500 meticais, which he will use to buy construction materials (doors and windows) to continue building his home. In the future, he would like to request more loans to be able to start a business to help with his home's expenses, so he promises to pay back this loan without any problems.

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Translated from Portuguese by Kiva volunteer Tanya Harper

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