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He was born in the town of Xai-Xai, province of Gaza, southern Mozambique. He is a widower and has 12 children, 7 of which still attend school. He went to college and quit for lack of time. He lives with his family in a house he owns and does not support anyone else.
He got transferred from Xai-Xai to Maputo on a work assignment and set up residence in the district of Boane. He has been a land surveyor for the Umbeluzi Rural Station for over 32 years and earns a salary of 11.000mt a month. He uses it to pay for home expenses and saves part of it in his bank account.
He has had loans in other banks (Barclays) and managed to repay without difficulties. He first heard of Hluvuku through a friend who is also a client of this institution. This is his second loan with Hluvuku. It is for 24.000mt, which he intends to use to purchase construction supplies for his home (rafters, stone, cement, cinder blocks, iron, etc.). The first loan was for 30.000mt, also for the same purpose.
He pledges to repay as scheduled. In the future he plans to finish building his house in order to provide more comfort for his family. For that reason he intends to request more loans from Hluvuku.
View original language description ↓
Nasceu na Cidade de Xai-Xai , Provincia de Gaza, Sul de Moçambique, Viuvo e pai de 12 filhos dos quais 7 ainda frequentam a Escola. Fez ensino Superior e parou por falta de tempo. Vive na casa propria com a sua familia e não sustenta mais ninguem.

Saiu de Xai-Xai para Maputo em missão de serviço onde fixou a sua residência no Distrito de Boane. É tecnico agrario ha mais de 32 anos na Estação Agraria de Umbeluzi e tem um salario de 11.000.00mt por mês que aplica nas despesas de casa e poupa algum na sua conta bancaria (BIM).
Já teve emprestimo noutros bancos (Barclays) e conseguiu pagar sem dificuldades, conheceu a Hluvuku atravez de um amigo que tambem é cliente desta instituição. Este é o seu segundo emprestimo na Hluvuku no valor de 24.000.00mt, com qual pretende comprar material de construção para a sua casa (barrotes, pedra, cimento, blocos, ferro, e outros). O primeiro emprestimo foi de 30.000.00mt, tambem para mesma actividade.
Compromete se a pagar devidamente e no futuro pretende concluir a sua casa para melhor confortar a sua familia, para tal tenciona solicitar mais emprestimos a Hluvuku.

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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
  • 33
    View loans »
    Mozambique Loans Fundraising
  • $3,101,775
    Funds lent in using Kiva
  • 27.0
    Mozambique Meticais (MZN) = $1 USD

Success!! The loan was 100% repaid

A loan of $900 helped Luis to purchase construction supplies for his home (rafters, stone, cement, cinder blocks, iron, etc.).
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Nov 28, 2011
Dec 13, 2011
Currency Exchange Loss:
Feb 15, 2013