A loan of $650 helped purchase of construction materials.


Octavio Carlos's story

Octavio S. was born in Vila de Namaacha on the border between Mozambique and Swaziland. He lives with his wife and has a five-year-old son who attends preschool. Besides his son, he is also responsible for taking care of his mother. He sends her 1000 Meticales each month for her basic needs. He also manages to save 1000 Meticales each month because his wife helps out financially. Like him, she is a teacher.

After finishing his basic education (through 10th grade), Octavio completed a 3-year teacher training course that prepared him to work as a Portuguese language teacher. The same year he finished, due to the large number of family members living in his parents' house and because he already had a family of his own, he moved into a rental house costing 400 Meticales a month. Later he was transferred to a job in the Direcçao Distrital da Educação [Regional Education Administration] where he currently works from 7:30 AM to 3:30 PM. He earns 5548 Meticales per month and also has a scholarship that allows him to further his education. Because he was tired of living in a rental house, he approached Hluvuku [the Kiva field partner] for a loan to cover the legal expenses and construction costs of building his own home. Due to the fact that his construction materials were stolen he has not been able to finish the project but he never lost hope that he would be able to build. He decided to ask for another loan in the amount of 20,000 Meticales to finish this construction project and move into his own home.

This is Octavio's third loan with Hluvuku and his first with Kiva. His first loan, for 15,000 Meticales, was used to legalize the land he owns. The second, for 8000 Meticales, was to begin the construction. He is asking for this third loan to put the finishing touches on his construction project. He is sure that he will repay this loan on time and will ask for another loan to furnish his house.

Translated from Portuguese by Kiva volunteer Catherine Fountain


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