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Fernando M. was born in Tete province, Changala district, and he is 40 years old. He studied till 9th grade so far and is currently attempting 10th grade. He lives with his partner (she is in the photo) and has four children with her, aged 14, 12, 8 and 4, all going to school.

They moved from Tete to Maputo because of Fernando’s work in the army. He has been in the army since 1980 and is presently serving as a battalion chief in the Catembe base across the bay from Maputo, the capital of Mozambique.

This is Fernando’s fourth loan with Hluvuku, Kiva's partner in Mozambique. He intends to by blocks and bars to carry out the constructions in his house. He hopes he can upgrade his home and provide his family with a suitable place to live. He is confident he will be able to repay with his regular income as a soldier.

Fernando came to request the loan in person but he was at work when we had the chance to visit his construction site to take the photo, so his life partner is posing in the photo instead.

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
  • 6
    View loans »
    Mozambique Loans Fundraising
  • $3,046,925
    Funds lent in using Kiva
  • 33.9
    Mozambique Meticais (MZN) = $1 USD

Success!! The loan was 100% repaid

A loan of $900 helped Fernando to buy blocks and bars for house construction.
100% repaid
Repayment Term
19 months (Additional Information)
Repayment Schedule
May 3, 2010
Jun 1, 2010
Currency Exchange Loss:
Nov 15, 2011