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.
Fernando João José nasceu na cidade de Chimoio, capital da Província de Manica, no centro de Moçambique, tem 50 anos de idade, viúvo e pai de 2 filhos de 14 e 16 anos de idade, ambos vão a escola. Fez 11ª classe não continuou devido a falta de condições financeiras. Vive na casa própria com os seus filhos e não sustenta mais ninguém.
Saiu de Chimoio em 1977 para a formação militar, depois de terminar a carreira militar entrou no ministério do interior onde trabalha ate então e faz 8 horas por dia. Tem um salário mensal de 16.434.00mt que aplica nas despesas familiares e ainda poupa algum na sua conta bancária.
Nunca teve empréstimos em outros bancos, conheceu a Hluvuku através de colegas. Este é o seu 1º empréstimo no valor de 10.500.00mt com qual pretende comprar material de construção (portas e janelas) para dar continuidade com a sua obra.
Futuramente gostaria de solicitar mais empréstimos para poder iniciar uma actividade comercial para auxiliar nas despesas caseiras, para tal compromete se a pagar devidamente este empréstimo sem problemas.
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.