A loan of $550 helped purchase of building materials (cement, sand, iron, stone and tin screens).


Beatriz Rafael's story

Beatriz Rafael was born in the city of Maputo, in the Province of the same name, South of Mozambique. She is 55 years old, a widow and mother of children who are 32, 31, 30, 29 and 15 years-old. The youngest is in school. She completed 12th grade and teacher's certificate. She lives in her own house with her two youngest children and doesn't support anyone else.

She has never left Maputo. She works with the Ministry of Education as a teacher since 1974 in the Boane District. She does not have any employees and earns 5.585.00mt per month, which goes to household expenses and a savings account.

She has had loans with another bank (BIM). She came to know Hluvuku through her friend who is also a partner of the same institution. This loan, in the amount of 17.000.00mt is his fourth. She intends to buy building materials (cement, sand, iron, stone and tin screens) in order to continue her home improvements. The previous loans were for 10.300.00mt, 10.400.00mt and 13.500.00mt and were all applied towards the same activity.

In the future, she would like to request more loans to finish her house and provide better living conditions.

Translated from Portuguese by Kiva volunteer Betyna Almeida-Covarrubias


Loan details


Lenders and lending teams



Loan details