A loan of $475 helped purchase of construction materials (cement, blocks, iron and other items).


Avelino's story

Avelino C. M. was born in the province of Cabo Delgado in the north of Mozambique. He is 50 years old, married, and has 5 children who are 26, 24, 21, 20 and 7 years old. All of his children are currently in school. Avelino only studied through 6th grade under the old system of education, and didn't continue because at that time there was no chance for him to do so. He lives with his family in their own house and helps to support a niece who lives with them.

He left Cabo Delgado in 1975 to comply with the obligatory military service. Later he built a family in the Boane district, where he currently lives. He is retired from the Ministry of Defense and has a monthly pension of 6604 Meticais. He doesn’t employ any household help. He uses the money from his pension for household expenses and also saves some in his bank account.

Avelino has never taken out a loan with another bank. He found out about Hluvuku [the Kiva Field Partner] through friends who also work with the institution. This is his 6th loan, for the amount of 16,000 Meticais. He plans to use this money to buy construction materials (cement, iron, blocks, sand and other items) in order to continue working on a home improvement project. His earlier loans were for 6500, 8500, 12,500, 7050 and 15,500 Meticais and were all 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, in order to offer his family better living conditions.

Translated from Portuguese by Kiva volunteer Catherine Fountain


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