2 New Kiva Loans

I chose this woman in memory of dear Nora, who died recently...and also because she is in the Philippines, where my Correspondence child, Fred lives.


Nora is 56 years old. She is married with 1 child. Nora has a piece of land cultivated with vegetables and fruit trees, which in time can be harvested with the intention to sell. She has had this business for 10 years. She requested a loan of PHP 15,000 to buy insect sprays and fertilizers. She has been a member of HSPFI since 2010. In the future, Nora hopes to improve her business.

I chose Ivone because a widow with six children needs all the help she can get.

Ivone was born in the district of Boane, province of Maputo, southern Mozambique. She is a widow and the mother of six children, of which only one still attends school. She never had the opportunity to study for lack of financial conditions. She lives with her family in a house she owns and doesn't support anyone else.

She has been a businesswoman for over 35 years and earns an income of about 6.000mt a month. She uses it to pay for home expenses and saves part of it in her bank account.
She has had loans in other banks (PROCREDIT) and has been able to pay them back without any difficulties. She first heard of Hluvuku through friends who are also clients of this institution. This is her first loan with Hluvuku. It is for 10.000mt, which she intends to use to purchase goods (oil, sugar, beans, etc.) in order to increase the volume of her merchandise.