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Ernesto is married and the father of 7 children, all of whom attend School. He lives in his own house with his family and doesn't support anyone else.

He's a stonemason by trade and with the current loan he plans to buy construction materials (doors, iron, wire, cement and others) to continue the expansion of his house.

In future Ernesto would like to complete the expansion of his house and bet on his children's studies. To this end, he commits to duly paying off the loan in order to solicit further loans from Hluvuku in future.

His challenge is to work even more to be able to pay off the loan early and request another.
View original language description ↓
Casado e pai de 7 filhos, todos frequentam Escola, vive na casa própria com a sua família e não sustenta mais ninguém.
É pedreiro de profissão e com o presente empréstimo pretende comprar material de construção (portas, ferro, arame, cimento e outros) para continuar com ampliação da sua casa.
No futuro gostaria de terminar com ampliação da casa e apostar nos estudos dos seus filhos, para tal compromete-se a pagar devidamente o empréstimo para solicitar mais a Hluvuku.
O desafio é trabalhar ainda mais para poder pagar o empréstimo mais cedo e solicitar outro.

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
  • 6
    View loans »
    Mozambique Loans Fundraising
  • $3,046,925
    Funds lent in using Kiva
  • 29.4
    Mozambique Meticais (MZN) = $1 USD

Success!! The loan was 100% repaid

A loan of $700 helped Ernesto buy construction materials (doors, iron, wire, cement and others) to continue the expansion of his house.
100% repaid
Repayment Term
19 months (Additional Information)
Repayment Schedule
Nov 30, 2012
Nov 12, 2012
Currency Exchange Loss:
Dec 17, 2013