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Joao Tene
He's married and has five children, all of whom attend school. He lives with his family in a house he owns and also supports his parents by sending them money for food expenses.
He works as an equipment operator for Caminhos de Ferro Moçambique (a railway company in Mozambique). With the current loan he intends to purchase construction supplies (bricks, iron, sand, cement, etc.) in order to begin building his house.
In the future he wants to finish building his home and to build a store so that he can improve his monthly income. 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 construction supplies and ensuring his children's education.
View original language description ↓
Casado e pai de 5 filhos, todos frequentam a Escola, vive na casa própria com a sua família e sustenta seus pais enviando dinheiro para as despesas alimentares.
Trabalha como operador de equipamento nos Caminhos de Ferro Moçambique. Com o presente empréstimo pretende comprar material de construção (blocos, ferro, areia, pedra, cimento, e outros) para dar inicio a obra da sua casa.
No futuro concluir a sua casa e construir um estabelecimento comercial para aumentar a sua renda mensal, para tal compromete-se a pagar devidamente o empréstimo para solicitar mais a Hluvuku.
O desafio é o elevado preço do material de construção e garantir a formação 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
  • 0
    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 Joao Tene to purchase construction supplies (bricks, iron, sand, rocks, cement, etc.).
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Jun 27, 2012
Aug 1, 2012
Currency Exchange Loss:
Oct 17, 2013