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She was born in the city of Matola in Maputo province in southern Mozambique. She is a single mother of one daughter who is five-years-old. She completed seven years of schooling and stopped when she began to work and never had time to return to her studies. She lives in employee housing with her daughter and maintains her mother by sending money for food expenses.

She was born in Matola and later left for Boane to look for work. She has been a permanent employee for 16 years and has a monthly salary of 4,700 meticais (Mozambique currency) which she uses for her household expenses and saves some of in her bank account.

She has already taken out a loan with Barclays in the amount of 30,000 meticais which she use to acquire and pay for permits for a parcel of land which she was able to pay off with no difficulty. She heard of Hluvuku through friends who are also customers of this institution. This is her second loan with Hluvuku in the amount of 20,000 meticais which she intends to use to buy construction materials such as sand, iron, sheet metal, cement, stone, and other materials. Her first loan was for 15,000 meticais and was used for the same purpose. She is confident that she will be able to pay it off with no problems. Her hope is to finish her building project and move to give her family greater comfort and to do this she plans to request more loans.
View original language description ↓
Nasceu na Cidade da Matola, provincia de Maputo, ao sul de Mocambique, solteira e mãe de 1 filha de 5 anos de idade.Fez a 7ª classe e parou quando começou a trabalhar e nunca mais teve tempo de voltar a estudar. vive na casa de serviços com a sua filha e sustenta a sua mãe enviando dinheiro para ajudar nas despesas alimentares.
Nasceu na Matola, depois saiu para Boane a procura de emprego. É funcionaria permanente a 16 anos e tem um rendimento mensal de 4.700.00mt que aplica nas despesas de casa e poupa algum na sua conta bancaria.
Ja fez emprestimo no Barclays no valor de: 30.000.00mt, usou na aquisição e legalização do terreno, o qual conseguiu pagar sem dificuldades.Conheceu Hluvuku atravez de amigas que tambem são clientes desta instituição. Este é o seu segundo emprestimo na Hluvuku no valor de 20.000.00mt, com qual pretende comprar material de construção (areia, ferro, chapas, cimento, pedra, e outros) para dar continuidade com a construção da sua casa. O primeiro emprestimo foi de: 15.000.00mt aplicado para a mesma actividade.
Esta confiante que vai pagar sem problemas, o seu desejo é concluir a sua obra , mobiliar para oferecer mais conforto a sua familia, para tal pretende solicitar mais emprestimos.

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
  • 43
    View loans »
    Mozambique Loans Fundraising
  • $3,084,650
    Funds lent in using Kiva
  • 27.4
    Mozambique Meticais (MZN) = $1 USD

Success!! The loan was 100% repaid

A loan of $750 helped Justina to buy construction material (sand, iron, sheet metal, cement, stone, and other materials).
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Jul 8, 2011
Jul 21, 2011
Currency Exchange Loss:
Aug 15, 2012