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Alberto was born in the province of Tete in northern Mozambique. He is married and the father of five adult children. He went to school through the fourth grade but had to drop out because of financial difficulties. He lives with his family in a home they own, and isn't financially responsible for anyone else.
He left Tete in order to fulfill his military service. He retired from the military after 20 years and earns a pension of 6,800 meticals a month. He uses the pension 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 fourth loan, in the amount of 16,000 meticals, which he will use to purchase construction materials (sand, stone, cement, rebar, etc.) to continue the construction on his house. His first loans, in the amounts of 4,000, 8,500, and 12,500 meticals, were all also used for his home. He hopes to ask for further loans from Hluvuku so he can finish his house.
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Nasceu na provincia de Tete, norte de Moçambique, casado e pai de 5 filhos todos maiores de idade. Fez 4ª classe e naõ continuou devido a falta de condições financeiras. Vive na casa propria com a sua familia e não sustenta mais ninguem.

Saiu da sua terra natal em missão de serviço, é pensionista militar ha mais de 20 anos e tem uma pensão de 6.800.00mt 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 quarto emprestimo na Hluvuku no valor de 16.000.00mt com qual pretende comprar material de construcao de construcao de uma casa (areia, pedra, cimento, barrotes, e outros) para dar continuidade com a sua casa. Os primeiros emprestimos foram de: 4.000.00mt, 8.500.00mt, e 12,500.00mt, para sua obra.
No futuro pretende solicitar mais valor para concluir a sua casa, 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
  • 35
    View loans »
    Mozambique Loans Fundraising
  • $3,096,400
    Funds lent in using Kiva
  • 26.4
    Mozambique Meticais (MZN) = $1 USD

Success!! The loan was 100% repaid

A loan of $625 helped Alberto to purchase construction materials (sand, stone, cement, rebar, etc.) for his house.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Aug 30, 2011
Sep 27, 2011
Currency Exchange Loss:
Aug 15, 2012