A loan of $1,050 helped to increase stock for his kiosk.


Lourenço Rafael's story

Lourenço Rafael V. is 26 years old and was born and raised in Inhambane. He is separated and the father of three children, between 1 and 7 years old. Only the oldest son lives with him. He moved to Namaacha, a village on the border of Swaziland, in search for work at his cousin’s company.



Lourenço did not have the opportunity to go to school because his father was an alcoholic, and being the oldest child Lourenço had to work on ranches to feed his siblings. When he was 13 years old, he left Inhambane for his cousin’s house in Namaacha, where he worked as a domestic servant for two years and earned 350 meticais (MTn) per month. Then he worked for four months raising chickens for Mr. Tnga, a major chicken farmer in Namaacha, and received 400 MTn per month. In 1998 he started his own business with the money he had saved from his two years and four months of work. He sells cakes, bread, and mcel and Vodacom phone cards on the border (between Maputo and Swaziland). His best products are the phone cards of 15, 45, 74, and 90 MTn, which he sells for 20, 50, 80, and 100 MTn respectively. He makes 4,000 MTn monthly and is able to save 1,000 MTn per month. From his work experience Lourenço has developed a lot. He was able to build a brick townhouse and will build another house when he is no longer married. He does not want to live with a new wife in the house he built with his ex-wife with whom he is separated because she contracted a mental disease two years ago.



This is Lourenço’s second loan with Hluvuku (Kiva’s Field Partner) and his first with Kiva. He used the first loan of 10,000 MTn to buy products to resell when he had insufficient funds, on account of his wife’s illness. He recuperated costs and repaid the loan before the due date. He will use this second loan of 25,000 MTn for the same purpose. He is confident that he will be able to repay it and will request another loan to build chicken coops at his house and to raise and sell chickens.

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Translated from Portuguese by Kiva volunteer April Newman


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