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He's married and has two children, one of whom attends school. He lives with his family in a house he owns and also supports his parents who live with him.
He's a self-employed metal worker. With this loan he intends to purchase construction supplies (sand, cement, iron, rocks, etc.) in order to continue building his house.
In the future he wishes to finish building his house and to obtain his driver's license. For that reason he pledges to repay the loan as scheduled, so he can request more loans from Hluvuku.
The challenge he faces is the lack of sufficient funds for implementing all his projects.
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 seus pais que vivem com ele.
É serralheiro e trabalha por conta própria. Com este empréstimo pretende comprar material de construção (areia, cimento, ferro, pedra, e outros) para dar continuidade a obra da sua casa.
No futuro deseja terminar a sua casa e poder ter carta de condução, para tal compromete-se a pagar devidamente o empréstimo para solicitar mais a Hluvuku.
O desafio é a insuficiência de fundos para realizar todos os seus projectos.

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
  • $2,931,625
    Funds lent in using Kiva
  • 28.5
    Mozambique Meticais (MZN) = $1 USD

Success!! The loan was 100% repaid

A loan of $550 helped Bernardo to purchase construction supplies (sand, cement, iron, rocks, etc.) in order to continue building his house.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Aug 7, 2012
Oct 1, 2012
Currency Exchange Loss:
Feb 17, 2014