Kanaan B Group
Kanaan B Group is led by Apsalom R., a 26 year old single man. He has been living in Erbaun Village since he was a child. In Erbaun, Apsalom lives with his parents and two of his sisters in their modest house constructed with a palm leaf roof, branch wall and dirt floor. His father, aged 65 years and his mother, aged 60 years, are both poor farmers. They couldn’t afford to finance Apsalom’s education. As a result, Apsalom couldn’t complete his primary school. He only attended school up to the second grade of primary school. Apsalom then chose to help his parents in farming. He has to work hard to help his parents and to finance his sisters.
Apsalom works everyday at the farm. He sells agriculture produce such as coconuts and bananas at the market. The income generated from selling these produce is given to his parents to cover their daily needs. To better meet his family needs, Apsalom once joined with the local fisherman for fishing. But it was only for a year. After that he became a truck driver for some time. Apsalom then moved to Kupang City and worked as a building laborer. The reason why Apsalom chose these types of work is because his parents are getting older and he doesn’t have a heart to let his parents work hard to bring their coconuts and bananas from the farm to the market to sell at their advanced age.
According to Apsalom, currently the profits from the farm are lower than usual. As a result, the income generated from selling coconuts and bananas is sometimes insufficient to cover the family needs. His experience as a building laborer in Kupang City helps him in generating some money when a community member asks him to repair their house. But this is an irregular income source for him.
The difficulties that Apsalom faces have motivated him to find another way to support his parents and his sisters. One of the alternatives that have become his preference is to raise and fatten cattle. To raise cattle, Apsalom needs capital to buy the young cattle and he can not afford it as poor farmer. This is the reason why Apsalom is interesting in joining the cattle fattening program. Together with the other members of Kanaan B Group, they are requesting a loan to buy young cattle to be raised and fattened over a 12 month period. Apsalom is requesting a loan of IDR 3,400,000. He hopes that this loan will help him in better providing his parents and sisters needs.
About Tanaoba Lais ManekatThis loan is administered by Tanaoba Lais Manekat (TLM). TLM is a microfinance institution that seeks to improve the quality of life of poor communities in the province of Nusa Tenggara Timur in Indonesia. TLM has been operating since 1995 and, in addition to providing microloan and savings services, provides client training on financial management and entrepreneurship.
TLM’s head office is based in Kupang, West Timor, Indonesia. Kupang is the capital city of Nusa Tenggara Timur province in eastern Indonesia. Nusa Tenggara Timur is the province with the least favorable social and economic statistics of all the 33 Indonesian provinces.
Join our lending team TLM West Timor.
This is a Group Loan
In a group loan, each member of the group receives an individual loan but is part of a larger group of individuals. The group is there to provide support to the members and to provide a system of peer pressure, but groups may or may not be formally bound by a group guarantee. In cases where there is a group guarantee, members of the group are responsible for paying back the loans of their fellow group members in the case of delinquency or default.
Kiva's Field Partners typically feature one borrower from a group. The loan description, sector, and other attributes for a group loan profile are determined by the featured borrower's loan. The other members of the group are not required to use their loans for the same purpose.
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