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Married and a father of four children, all of whom attend school, Teófilo lives in his own home, which he provides for on his own. He's a teacher and works with the Ministry of Education. With this loan, he plans to buy construction materials - cinderblocks, stone, gravel, and others - to continue working on his house. In the future, he hopes to finish his house and be able to provide a more comfortable life for his family. That's why he's committed to paying off his loan diligently, so he can take out future loans with Hluvuku. His main challenge is in identifying further sources of income.
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Casado e pai de 4 filhos que frequentam a Escola, vive na casa própria e não sustenta mais ninguém.
É docente e quadro do Ministério de Educação. Com o presente empréstimo pretende comprar material de construção (blocos, cimento, pedra, areia, e outros) para dar continuidade a obra da sua casa.
No futuro deseja concluir a sua casa e melhor confortar a sua família, para tal compromete-se a pagar devidamente o empréstimo para solicitar mais a Hluvuku.
O desafio é conseguir mais fontes de receita.

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
  • 3
    View loans »
    Mozambique Loans Fundraising
  • $3,043,150
    Funds lent in using Kiva
  • 30.4
    Mozambique Meticais (MZN) = $1 USD

Success!! The loan was 100% repaid

A loan of $400 helped Teófilo to buy construction materials - cinderblocks, stone, gravel, and others - to continue working on his house.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Feb 7, 2013
Feb 23, 2013
Currency Exchange Loss:
Apr 16, 2014