A loan of $500 helped to buy construction materials (cement, stones, sand and iron).


Virginia Salvador's story

Virgínia Salvador M. was born in the District of Boane, Maputo Province, in the south of Mozambique. She is 50 years old and widow. One of her children works for a company in the Manhiça District. She left school just after the fourth grade, because the family could not afford her education. She lives in her own house with her children and she is not providing for anyone else. She left the District of Boane in 1994 and moved for a job to the city of Matola; after ending her contract she returned to Boane and started a business. She has been the owner of her business since 2004 and she has started learning this activity through her friends, in order to be able to provide for the family needs. She works approximately 10 hours every day, she does not have any employees, and she is making a monthly revenue of 3.000 MZN. Besides, she receives, from an old institution where she worked in the past, a 1.000 MZN pension that she uses for the household expenses and for savings in Xitique, a traditional rotational savings system. In the past, she already received loans from other financial institutions (Guê GueGue association); later she found out about Hluvuku, when she went to ask about lending conditions at the just inaugurated office. This is her second loan of the amount of 15.000 MZN, that she will use to buy construction materials (cement, stones, sand and iron) to enlarge her house. The amount of her previous loan was 11.000 MZN, that she invested as well in her house. In the future she is planning to request further loans to build houses to rent next to her house, to increase her revenue and improve the living standards of her family.

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Translated from Portuguese by Kiva volunteer MONICA URBAN


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