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33-year-old João is an administrative assistant in a high school. In his free time he works from home providing carpentry services and has two employees. He lives in his father's house and has been married for 8 years, having made it official 2 years ago. He has two underage children and also supports one brother who lives with him.
With the amount of the loan he'll purchase cement, sand and supplies for making window frames and doors, so he can continue building his house.
His wishes are to finish college within two years; to build his dream house, since the one he's currently building is a temporary one (it only has one room); to acquire a vehicle to help him get around; and to have a well-known space set up in his house in order to keep on doing his carpentry work.
He states that he enjoys working with Hluvuku because the repayment options are flexible and tailored to suit the client's preferences. Also, there aren't too many formalities for getting a loan.
View original language description ↓
João de 33 anos de idade, é técnico administrativo numa escola do nível secundário e nas horas vagas faz prestação de serviços de carpintaria na sua casa, onde conta com 2 trabalhadores. Vive na casa do pai, vive maritalmente há 8 anos e é casado oficialmente há 2. Tem 2 filhos ainda menores e sustenta também um irmão que vive com ele.
Com o valor do empréstimo irá comprar cimento, areia e material para fazer aros, janelas e portas para dar continuidade à construção de sua casa.
O seu desejo é terminar a faculdade daqui a 2 anos, fazer a casa dos seus sonhos pois a que está a construir neste momento é temporária (só tem uma dependência), comprar uma viatura para ajudar nas deslocações e ter uma estrutura na sua casa reconhecida para continuar com os trabalhos de carpintaria.
Diz que gosta de trabalhar com a Hluvuku devido as modalidades de pagamento que são flexíveis e adaptadas às preferências do cliente e não tem demasiadas formalidades para aquisição do crédito.

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
  • $2,934,575
    Funds lent in using Kiva
  • 29.8
    Mozambique Meticais (MZN) = $1 USD

Success!! The loan was 100% repaid

A loan of $850 helped Joao to purchase cement, sand and supplies for making window frames and doors, so he can continue building his house.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Jun 11, 2013
Jul 2, 2013
Currency Exchange Loss:
Oct 17, 2014