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Joaquim is married and has 1 child who is already an adult. He lives in his own home with his family and also supports a grandson who lives with them.

He is a police officer in the Interior Ministry. With this loan he plans to purchase construction materials (metal bars, cement, metal panels, sand, stones, etc.) to finish construction on his home. In the future he plans to furnish his home to offer greater comfort to his family. He promises to make his payments on time in order to request more loans from Hluvuku.

The challenge he faces is the high cost of construction materials to totally finish his home.
View original language description ↓
Casado e pai de 1filho já maior de idade, vive na casa própria com a sua família e sustenta um neto que vive com eles.
É polícia e quadro do Ministério do Interior, e com o presente empréstimo pretende comprar material de construção (barrotes, cimento, chapas, areia, pedra e outros) para concluir a obra da sua casa.
No futuro pretende mobilar a sua casa e oferecer melhor conforto a sua família, para tal compromete-se a pagar devidamente o empréstimo para solicitar mais a Hluvuku.
O desafio é o elevado custo de material de construção para poder concluir totalmente a sua casa.

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
  • 44
    View loans »
    Mozambique Loans Fundraising
  • $3,084,650
    Funds lent in using Kiva
  • 27.8
    Mozambique Meticais (MZN) = $1 USD

Success!! The loan was 100% repaid

A loan of $600 helped Joaquim to purchase construction materials (metal bars, cement, metal panels, sand, stone, etc.).
100% repaid
Repayment Term
18 months (Additional Information)
Repayment Schedule
May 22, 2012
Jun 1, 2012
Currency Exchange Loss:
Jul 17, 2013