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He's married and has two children, one of which attends school. He lives with his family in a house he owns and also supports a sister-in-law who lives with him.
He works as border guard. With the present loan he intends to purchase construction supplies (beams, cement, metal sheets, sand, rocks, etc.) in order to continue building his home.
In the future he wishes to build a shopping center. For that reason he pledges to repay the loan as scheduled, so that he can request more loans from Hluvuku.
His challenge is the lack of funds for investing in a business and increasing his family's income.
View original language description ↓
Casado e pai de 2 filhos dos quais 1 frequenta a Escola, vive na casa própria com a sua família e sustenta mais 1 cunhada que vive com ele.
Trabalha como guarda fronteira, e com o presente empréstimo pretende comprar material de construção (barrotes, cimento, chapas, areia, pedra e outro) para dar continuidade com a obra da sua casa.
No futuro deseja construir um centro comercial, para tal compromete-se a pagar devidamente o empréstimo para solicitar mais a Hluvuku.
O desafio é a falta de fundos de investimento num negócio para aumentar a renda familiar.

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
  • 62
    View loans »
    Mozambique Loans Fundraising
  • $3,101,775
    Funds lent in using Kiva
  • 27.8
    Mozambique Meticais (MZN) = $1 USD

Success!! The loan was 100% repaid

A loan of $550 helped Joaquim to purchase construction supplies (beams, cement, metal sheets, sand, rocks, etc.) in order to continue building his house.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
May 8, 2012
May 29, 2012
Currency Exchange Loss:
Jun 19, 2013