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Ernesto was born in the province of Inhambane in southern Mozambique. He is married and the father of six children, some of whom are adults while the others attend school. He went to school through the fifth grade but had to drop out because of financial difficulties. He lives in his own home with his family, and also supports his nephew, who lives with him.
He's never left Inhambane. He's worked as the general manager of a banana plantation for more than 10 years and earns about 6,500 meticals a month. He uses his salary to pay for household expenses and also saves a little in a bank account. He has never had loans from other banks. He learned about Hluvuku from friends who are also clients of the institution. This is his second loan, in the amount of 20,000 meticals, which he will use to purchase construction materials (cement, rebar, sand, stone, iron, etc.) to continue the construction on his house. His first loan was in the amount of 15,000 meticals, which he used to purchase consumer goods. He hopes to ask for further loans from Hluvuku to finish his house so he can provide his family with a more comfortable life.
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Nasceu na provincia de Inhambane, sul de Moçambique, casado e pai de 6 filhos alguns maiores de idade e outros ainda frequentam a escola. Fez 5ª classe e naõ continuou devido a falta de condições financeiras. Vive na casa propria com a sua familia e sustenta a sua sobrinha que vive com ele.

Nunca saiu da sua terra natal, trabalha como encarregado geral de uma bananalândia ha mais de 10 anos e tem um salario de 6.500.00mt por mês que aplica nas despesas de casa e poupa algum na sua conta bancaria.
Nunca teve emprestimos em outros bancos, conheceu a Hluvuku atravez de amigos que tambem saõ clientes desta instituição. Este é o seu segundo emprestimo na Hluvuku no valor de 20.000.00mt com qual pretende comprar material de construcao de uma casa (cimento, barrotes, areia, pedra, ferro, e outros.) para a sua obra. Os primeiro emprestimo foi de 15.000.00mt para a compra de bens de consumo.
No futuro pretende solicitar mais valor para concluir a sua casa, mobiliar para oferecer mais conforto a sua familia, irá 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
  • $2,934,575
    Funds lent in using Kiva
  • 26.4
    Mozambique Meticais (MZN) = $1 USD

Success!! The loan was 100% repaid

A loan of $775 helped Ernesto to purchase construction materials (cement, rebar, sand, stone, iron, etc.) for his house.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Aug 30, 2011
Sep 27, 2011
Currency Exchange Loss:
Nov 15, 2012