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Marta Rafael
Marta Rafael L. was born in the district of Namaacha, in the province of Maputo in the south of Mozambique. She is married and has 4 children whose ages range from 18 to 26. The three older children are working and the youngest is in school. Marta only studied through 7th grade, and didn't continue because of a lack of financial resources. She lives with her family in their own house and helps support a grandson who lives with them.

Marta still lives in Namaacha. After finishing school she was able to get a job with the Civil Registry, and worked in towns in Namaacha for 5 years. She had the opportunity to continue this work in central Mozambique, but her husband kept her from taking the job transfer because it was too far away. After that, Marta got a job as a pastry chef at the Hotel Xisaka. She's worked there for 15 years and has a monthly salary of 4000 Meticais, which she uses to cover household expenses. With the help of her husband and the salary he earns as a teacher, she is also able to save some in her bank account.

This is Marta's 5th loan with Hluvuku [the Kiva field partner] and her 2nd funded through Kiva. She is asking for 15,000 Meticais to buy construction materials (cement, stone, metal plates and other items) in order to continue working on a home expansion project.

She is confident that she will be able to repay the loan ahead of schedule and take out a new loan later in order to pay for the upkeep and painting of the new portion of her home.
View original language description ↓

Marta Rafael L. nasceu no Distrito de Namaacha, Provincia de Maputo, Sul de Moçambique. E casada mãe de 4 filhos de 18 aos 26 anos de idade. Os três mais velhos são empregados somente a mais nova é que estuda. Fez somente 7ª classe não continuou devido a falta de condições financeiras. Vive na casa própria com a sua família e sustenta seu neto que vive com ela.
Nunca saiu da sua terra natal, depois de seus estudos ela consegue arranjar um emprego no Registo Civil da Namaacha e trabalha como brigadista nas localidades do mesmo Distrito durante 5 anos. Quando recebeu a transferência para trabalhar no centro do pais o seu esposo inpede­a de ir trabalhar alegando que era distante. Mais tarde consegue arranjar um emprego no Hotel Xisaka como pasteleira onde trabalha a mais de 15 anos auferindo mensalmente um valor de 4.000.00mt que aplica nas despesas de casa e ainda consegue poupar na sua conta bancaria, pois conta com ajuda do seu marido que trabalha como docente.
Este é o quinto empréstimo de Marta na Hluvuku e segundo com kiva no valor de 15.000.00mt com o qual pretende comprar material de construção (cimento, pedra, chapas e outros) para continuar com a ampliação da sua casa.
Esta confiante que vai reembolsar antes do prazo e pedir um novo empréstimo para a manuntenção e pintura da sua obra.

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
  • $2,937,000
    Funds lent in using Kiva
  • 35.0
    Mozambique Meticais (MZN) = $1 USD

Success!! The loan was 100% repaid

A loan of $450 helped Marta Rafael purchase of construction materials (cement, stone, doors and other items).
100% repaid
Repayment Term
18 months (Additional Information)
Repayment Schedule
Nov 8, 2010
Dec 6, 2010
Currency Exchange Loss:
Mar 16, 2012