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He's married and has four children, four of which are already adults. He lives in a house he owns and doesn't support anyone else other than his children.
He does personal chores and raises cattle so that he can make a living. With the current loan he intends to purchase construction supplies (brackets. sand, cement, rocks, iron and labor) in order to continue building his house.
In the future he wishes to finish building his home and increase his cattle breed. For that reason he pledges to repay the loan as scheduled, so he can request more loans from Hluvuku.
His challenge is the high cost of living and the rise in prices of construction supplies.
View original language description ↓
Casado e pai de 4 filhos 3 destes já maiores de idade, vive na casa própria e não sustenta ninguém para além dos seus filhos.
Faz trabalhos pessoais e criação de gado bovino para poder ganhar a vida, com o presente empréstimo pretende comprar material de construção (estribos, areia, cimento, pedra, ferro e mão de obra) para dar continuidade com a construção da sua casa.
No futuro deseja concluir a construção da sua casa e aumentar a sua criação de gado bovino, para tal compromete-se a pagar o empréstimo devidamente para solicitar mais a Hluvuku.
O desafio é o alto custo de vida e subida de preços de material de construção.

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
  • 1
    View loans »
    Mozambique Loans Fundraising
  • $3,043,150
    Funds lent in using Kiva
  • 27.7
    Mozambique Meticais (MZN) = $1 USD

Success!! The loan was 100% repaid

A loan of $925 helped Manuel to purchase construction supplies (brackets, sand, cement, rocks, iron and labor) in order to continue building his house.
100% repaid
Repayment Term
18 months (Additional Information)
Repayment Schedule
Jun 12, 2012
Jul 4, 2012
Currency Exchange Loss:
May 19, 2013