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Agrecia Arnaldo
Agrecia Arnaldo M. was born in the Xai xai district, in the Gaza province, in the south of Mozambique. She is 31 years old, is single and does not have any children. She attended the first year of college studying physics in the Pedagogical University. She lives in government housing and she supports her brother and two nephews, who both live with her.

She left Xai xai for the Namaacha district, in the Maputo province when her parents divorced in 1989. In 2003, she left Namaacha for Boane when she was transfered. She has worked as a teacher for the Ministry of Education for 8 years. She has no employees and has a monthly salary of 4,300 MT, which she uses to pay for her household expenses and she saves some in her bank account.

She has never had a loan with another bank. She came to know Hluvuku through a coworker who is also a client of the institution. This is her second loan for the value of 12,000 and she will use this amount to purchase construction materials (cement, iron, stone, and others) to continue the construction on her home. She promises to repay her loan dutifully so that she can have access to others. She dreams of finishing her studies, in the future she hopes to access more loans to finish her home.

View original language description ↓
Agrecia Arnaldo M. nasceu no Distrito de Xai xai, Província de Gaza, sul de Moçambique tem 31 anos de idade, solteira não tem filhos ainda. Frequenta o primeiro ano de bacharelato em física na Universidade Pedagógica. Vive na casa cedida pelo Estado e sustenta seu irmão e dois sobrinhos que vivem com ela.
Saiu de Xai xai para Distrito de Namaacha província de Maputo quando seus pais divorciaram em 1989. Em 2003 saiu de Namaacha para Boane, pela transferência dos serviços, trabalha como docente é quadro do Ministério da Educação ha mais de 8 anos. Não possui nenhum empregado e tem um salário de 4.300.00mt por mês que aplica nas despesas de casa e ainda poupa algum de vez enquanto na sua conta bancária (Millenium Bim).
Nunca teve empréstimos em outros bancos, conheceu a Hluvuku através de um colega que também é cliente desta instituição. Este é seu 2° empréstimo no valor de 12.000.00mt com qual pretende comprar material de construção (cimento, ferro, pedra e outros) para continuar com a construção da sua casa. O empréstimo anterior foi 8.400.00mt destinado a bens de serviços.
Compromete se a pagar devidamente este empréstimo para poder aceder a outros. Tem como sonho concluir os seus estudos, no futuro pretende solicitar mais empréstimos para a conclusão da sua casa.

Additional Information

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.

About Mozambique

  • $1,200
    Average annual income
  • 0
    View loans »
    Mozambique Loans Fundraising
  • $3,043,150
    Funds lent in using Kiva
  • 33.9
    Mozambique Meticais (MZN) = $1 USD

Success!! The loan was 100% repaid

A loan of $375 helped Agrecia Arnaldo purchase of construction materials (cement, iron, stone, etc.).
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Apr 30, 2010
May 8, 2010
Currency Exchange Loss:
Nov 15, 2011