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Carlos was born in Maputo City, Maputo Province in southern Mozambique. He is married and has six children between the ages of 1 and 20; the elder children go to school. Carlos finished eighth grade and quit school because of financial problems. He lives in his own house with his family and does not support anyone else.

Carlos left Maputo to move to Boane, where he lives now. For six years he has worked as a driver and has a monthly income of 5,000 meticais, which he uses for household expenses. He saves some money in his bank account.

Carlos has never had loans from other banks. He learned about Hluvuku through friends who are also customers of the institution. This is his third loan with Hluvuku. He is asking for 15,000 meticais, which he will use to buy construction materials (iron, sand, cement, zinc sheets, stone and other items) for his housing project. The earlier loans were for 10,000 meticais and 10,000 meticais, all for his housing project.

Carlos is confident that he will make his payments on schedule, and he dreams of finishing his house and furnishing it to make his family more comfortable. To do this he intends to ask Hluvuku for more loans.
View original language description ↓
Nasceu na Cidade de Maputo, provincia do mesmo nome, ao sul de Mocambique é casado e pai de 6 filhos de idades entre 1 a 20 anos de idade os mais velhos vão a Escola. Fez a 8ª classe e parou por falta de condicoes financeiras. Vive na casa propria com a sua familia e não sustenta mais ninguem.
Saiu de Maputo Para Boane onde vive actualmente. Trbalha como motorista permanente ha 6 anos e tem um rendimento mensal de 5.000.00mt que aplica nas despesas de casa e poupa algum na sua conta bancaria.
Nunca fez emprestimo noutros bancos. Conheceu Hluvuku atravez de amigos que tambem são clientes desta instituição. Este é o seu terceiro emprestimo na Hluvuku no valor de 15.000.00mt, com qual pretende comprar material para sua obra construcao de uma casa, ou seja, moradia (ferro, areia, cimento, chapas, pedra, e outros), os primeiros emprestimos foram de: 10.000.00mt, 10.000.00mt, todos para asua obra.
Esta confiante que vai pagar segundo ocalendario e sonha em concluir a sua obra e mobiliar para oferecer mais conforto a sua familia,e para tal tenciona solicitar mais emprestimos a Hluvuku.

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
  • $2,931,625
    Funds lent in using Kiva
  • 27.4
    Mozambique Meticais (MZN) = $1 USD

Success!! The loan was 100% repaid

A loan of $550 helped Carlos to buy construction materials (iron, sand, cement, zinc sheets, stone and other items).
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Jul 8, 2011
Aug 2, 2011
Currency Exchange Loss:
Oct 16, 2012