A loan of $300 helped to buy construction material (zinc sheets, cement, door frames, etc.).

Ana Joaquim's story

Ana Joaquim M. was born in Massinga District, Inhambane Province in southern Mozambique. She is separated and has two children, ages 9 and 13. Both children are still in school. Ana only finished sixth grade and did not continue with school because her parents could not afford it. She lives in her own house with her family and does not support anyone else.

She left Inhambane to move to her brother's house in Maputo in search of better living conditions. For more than nine years she has worked in a banana production and sales company in Boane District. She receives a salary of 1,690 meticais per month and earns 850 meticais from her own business. Ana uses this money for household expenses and is able to save some through Xitique (a traditional system of rotating savings).

She has never had loans with other banks, and she learned about Hluvuku by talking with coworkers who are customers of this institution. This is Ana's first Hluvuku loan, and she is asking for 9,000 meticais to buy construction material (zinc sheets, cement, door frames and other items) to continue construction on her house.

She promises to make her payments on time so she can take out more loans in the future. She intends to ask for more loans to finish her house so she can house relatives from her hometown, and she plans to expand her business.

Translated from Portuguese by Kiva volunteer

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