Nasaret A3 Group
Nasaret A3 Group is led by Martha N., a 35-year-old woman. Martha is married to a 54-year-old man who works as a teacher at an elementary school. Their marriage has been blessed with four children. They are: David P., 17, who is in Senior High School Grade 3; Daniman P., 14, who attends Junior High School Grade 3; Oma, 7, who is in Elementary School Grade 2; and Salomo, 5, who is not at school yet
Martha and her family live in a small house with two bedrooms. The kitchen was built separately from the main house – people in Timor usually call it a ‘round house’ (this is a type of traditional house in Timor). It is constructed with reeds, roof, and a dirt floor. Many of the community in the rural areas of the South Central Region of Timor have this type of traditional house. Generally, they use it as a kitchen and a place to sleep when the weather is cold.
Martha usually starts her activities at 5 am. She looks after the children and prepares breakfast for them before they go to school. She also prepares breakfast for her husband before he goes to work. After she completes her work at the house, Martha will go to the farm to cultivate her crops. She plants carrots, leeks and other vegetables. She usually spends about four hours at the farm. The challenge that Martha faces as a farmer is the availability of a water supply for her farm. The spring is situated about 2 km from the farm, so she has to walk that far to get the water. Her husband usually helps her in cultivating the farm after work.
Living as a farmer with four children is not easy for Martha. Even though her husband is working as an elementary school teacher, the income generated is only enough to meet their daily needs. This is the reason why Martha is interested in joining the cattle fattening program. She wants to save money to send her son to study at the university. She also hopes to renovate her house.
Martha and her group are requesting a loan to buy young cattle to fatten over a 12 month period. All of them have the same dream, which is to have a better life.
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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