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He was born in the Cabo Delgado province in the north of Mozambique. He is 29-years-old, married, and completed his 10th year of schooling and didn’t continue because he joined the military. He is the father to three children ranging from two to seven-years-old. Two are in school. He lives in his own home with his family and is not responsible for anyone else.

He has been a part of the military for three years and has become a part of the Border Guard Agents, specifically in the Namaacha district where he lives. He has been a permanent employee for more than five years and works from 7AM to 3Pm in the Logistics and Finances area earning 5,649 meticais (Mozambique currency) monthly which he uses for household and construction expenses. He also has the help of his wife who is an employee in the Libombos Hotel in the same district and who can sometimes save 1,000 meticais in their bank account.

This is his first loan with Hluvuku in the amount of 10,000 meticais which he intends to use to buy construction materials (cement, blocks, sand, and more) to continue with his project. He has already worked with the World Bank and he heard about Hluvuki through his wife who is also a customer of the institution and plans to make his payments without any problems in order to have access to other loans.
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Nasceu na Provincia de Cabo Delgado a Norte de Moçambique, tem 29 anos de idade vive maritalmente, fez a 10ª classe não continuou devido a sua ida a tropa, é pai de 3 filhos de 02 aos 07 anos dois vão a Escola Vive na casa própria com sua familia e não responsabiliza se por ninguem.

E incorporado na vida militar durante 3 anos e passa a fazer parte dos Agentes da Guarda Fronteira concretamente no Distrito de Namaacha onde fixa sua residência. É funcionario permanente ha mais de 5 anos, trabalha das 7.00h as 15.00h na area de Logistica e Finanças auferindo mensalmente 5.649.00mt que aplica nas dispesas da casa e da sua obra. Mas também conta com ajuda da sua esposa que é funcionária no Hotel Libombos no mesmo Distrito e consegue por vezes poupar 1.000.00mt na sua conta bancaria.

Este é o primeiro empréstimo na Hluvuku no valor de 10.000.00mt com o qual pretende comprar Material de Construção(cimento, blocos ,areia e mais ) para dar continuidade da sua obra . Ja trabalhou com o BIM e conhece a Hluvuku atraves da sua esposa que também é cliente da instituição, pretende pagar cem nehum problema para aceder a outros créditos.

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
  • 52
    View loans »
    Mozambique Loans Fundraising
  • $3,101,775
    Funds lent in using Kiva
  • 27.4
    Mozambique Meticais (MZN) = $1 USD

Success!! The loan was 100% repaid

A loan of $375 helped Felizardo to buy construction materials (cement, blocks, sand, and more).
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Jun 28, 2011
Jul 20, 2011
Currency Exchange Loss:
Aug 15, 2012