A loan of $450 helped purchase of construction materials (cement, window panes, sand, etc.).


Lucia Maria's story

Lúcia Maria Julião was born in the Cabo Delgado province in the north of Mozambique. She is 33 years old, and is a single mother of two children of 10 and 5 years. They both go to school. She herself attended school through 12th grade. She lives in her own home with her children and she supports 3 brothers who also live with her.

She left Cabo Delgado for Maputo with her sister and brother-in-law after finishing school. Currently she has been employed in the Ministry of Education as a teacher for more than 12 years. She has never had any employees, and she makes a monthly salary of 4,115MT, which she uses for her household expenses and saves some to her bank account (Millenium Bim).

She has never taken a loan from any other bank. She came to know Hluvuku through her coworkers who are also clients of the institution. This is her second loan and is for the amount of 15,000MT. She plans to use this to buy construction materials (cement, window panes, sand, etc.) to continue the construction of her home. The previous loan was for 13,000MT and was used for the same purpose. She promises to make loan repayments dutifully so that she can access others. In the future she would like to take more loans for additional home improvements so that she can provide more habitable conditions.

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Translated from Portuguese by Kiva volunteer Michelle Harrison


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