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Albertina Carlota S. was born in the city of Maputo, Maputo Province, in southern Mozambique. She is single and has one son, who is 27 years old and attends journalism school. Albertina only studied through the 7th grade; she did not continue due to a lack of financial resources. She lives in her own house with her son and supports her sister who lives with her.

She has never left Maputo. For more than 15 years, Albertina has had her own business in Maputo city's Mandela market, where she sells meals and alcoholic drinks. She has 3 employees: 1 to help out in her house and 2 others to help her with her business. She earns about 7,000 MZN per month, which she uses for household expenses and employee payment. She is even able to save some through Xitique (a traditional rotating savings system).

Albertina has had loans with other banks (PROCREDIT), but later decided not to continue with them. She found out about Hluvuku through a friend who is already a client of this institution. This is her 1st loan, which has a value of 16,000 MZN. She intends to use it to buy construction material (paint, sand, cement, stone, doors, etc.) in order to expand and improve her house.

She promises to pay back this loan on time so she can have access to others. In the future, she plans to ask for more loans in order to finish her house and offer her family a more comfortable place to live.
View original language description ↓
Albertina Carlota S. nasceu na cidade de Maputo, Província de Maputo, sul de Moçambique, solteira e mãe de 1 filho de 27 anos de idade que frequenta a escola de jornalismo. Albertina fez somente 7ą classe não continuou devido a falta de condições financeiras. Vive na casa própria com o seu filho e sustenta sua irmã que vive com ela.
Nunca saiu de Maputo, tem um negócio próprio ha mais de 15 anos na cidade de Maputo no mercado Mandela de venda de refeições e bebidas alcoólicas. Tem 3 empregados 1 para ajudar em casa e os outros para ajudar no seu estabelecimento comercial e consegue um rendimento de cerca de 7.000.00mt por mês, que aplica nas despesas de casa, pagamento de empregados e ainda poupa algum através de Xitique (sistema tradicional de poupança rotativa).
Ja teve empréstimos em outros bancos (PROCREDIT), mais tarde decidiu não continuar. Conheceu a Hluvuku através de um amigo que Ja é cliente desta instituição. Este é o seu 1º empréstimo no valor de 16.000.00mt com o qual pretende comprar material de construção (tinta, areia, cimento, pedra, portas e outros) para ampliar e melhorar a sua residência.
Compromete se a pagar devidamente este empréstimo para poder aceder a outros. No futuro pretende solicitar mais empréstimos para concluir a sua residência oferecendo melhor conforto a sua família.

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
  • 35
    View loans »
    Mozambique Loans Fundraising
  • $3,101,025
    Funds lent in using Kiva
  • 34.0
    Mozambique Meticais (MZN) = $1 USD

Success!! The loan was 100% repaid

A loan of $475 helped Albertina to buy construction material (paint, sand, cement, stone, doors, etc.).
100% repaid
Repayment Term
18 months (Additional Information)
Repayment Schedule
May 25, 2010
Jun 27, 2010
Currency Exchange Loss:
Oct 15, 2011