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Ernesto is married and the father of three children who go to school. He lives in his own home and doesn't support anyone else besides his immediate family. He is a carpenter. He will use this loan to buy construction materials (cement, iron, zinc sheets, sand, etc.) to continue work on his home. In the future, he hopes to finish his home and grow professionally. To do this, he promises to make his payments on time so he can request more loans from Hluvuku. His challenge is the elevated cost of living and paying for his children's education.
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Casado e pai de 3 filhos que vão a Escola, vive na casa própria e não sustenta mais ninguém.
É carpinteiro, com o presente empréstimo pretende comprar material de construção (cimento, ferro, chapas de zinco, areia, e outros) para dar continuidade com a sua casa.
No futuro deseja concluir a sua obra e crescer profissionalmente, para tal compromete-se a pagar o empréstimo devidamente para solicitar mais a Hluvuku.
O desafio é o elevado custo de vida e a formação académica dos seus filhos.

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
  • 7
    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 $725 helped Ernesto to buy construction materials (cement, iron, zinc sheets, sand, etc.) to continue work on his home.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Jun 12, 2012
Jul 6, 2012
Currency Exchange Loss:
Apr 16, 2014