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Chame A. was born in the district of Angoche, in the province of Nampula in the north of Mozambique. He is 43 years old, married, and has 2 children who are 17 and 7 years old. Both children attend school. He got a degree in agricultural research some 17 years ago. He lives with his family in a house provided by his work and helps to support his siblings in Nampula by sending them money to cover their household expenses.

Chame left Nampula for Boane in 1988 to continue his education. He later decided to settle in the area and he has worked as a teacher for the Ministry of Education for more than 15 years. He doesn’t employ any help and he has a monthly salary of 7085 Meticales. He uses this income to cover household expenses and also saves some each month in his bank account.

Chame had taken out loans before with the Procredito Credit Cooperative, but he decided not to continue with them. He found out about Hluvuku [the Kiva Field Partner] through friends who have also worked with the institution. This is his 4th loan, for the amount of 11,000 Meticales. He plans to use this money to buy construction materials (cement, iron, sand, blocks and other items) in order to continue working on his home construction project. His earlier loans were for 10,000, 10,000, and 13,000 Meticales and were used for the same purpose.

He promises to repay the loan as indicated in order to be eligible for other loans later. In the future he would like to apply for more loans to finish his house and continue with his studies.
View original language description ↓
Chame A. nasceu no Distrito de Angoche, Província de Nampula, norte de Moçambique tem 43 anos de idade, casado e pai de 2 filhos de 17 e 07 anos, ambos vão a escola. Fez o curso médio em investigação agrária ha 17 anos. Vive na casa cedida pelos serviços com a sua família e sustenta seus irmãos em Nampula enviando algum valor trimestralmente para ajudar nas despesas de casa.
Saiu de Nampula para Boane para continuar com os seus estudos em 1988. Depois decidiu formar seu lar neste Distrito e trabalha como docente e quadro do Ministério da Educação ha mais de 15 anos. Não possui nenhum empregado e tem um salário de 7.085.00mt que aplica nas despesas de casa e ainda poupa algum na sua conta bancária.
Ja teve empréstimo na cooperativa de crédito Procredito e decidiu não continuar mais. Conheceu a Hluvuku através de amigos que também são clientes desta instituição. Este é seu 4° empréstimo no valor de 11.000.00mt com qual pretende comprar material de construção (cimento, ferro, blocos, areia e outros) para continuar com a obra de construção da sua casa. Os empréstimos anteriores foram de 10.000.00mt, 10.000.00mt e 13.000.00mt todos para a mesma actividade.
Compromete se a pagar devidamente este empréstimo para poder aceder a outros. No futuro pretende solicitar mais empréstimos para aplicar na conclusão da sua casa e continuar com os estudos.

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
  • 63
    View loans »
    Mozambique Loans Fundraising
  • $3,101,775
    Funds lent in using Kiva
  • 33.9
    Mozambique Meticais (MZN) = $1 USD

Success!! The loan was 100% repaid

A loan of $325 helped Chame purchase of construction materials (cement, blocks, iron, sand and other items).
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Apr 30, 2010
May 9, 2010
Currency Exchange Loss:
Nov 15, 2011