Kisan A Group
Kisan A Group is led by Damaris Runisi. She is a 47 year-old farmer. She is married to a farmer from her village and their marriage has been blessed with three children. They are:
- Devri Runisi, 17 – who is now working in Jakarta;
- Dance Runisi, 14 – he did not complete elementary school and spends his days helping his parents on the farm;
- Ayub Runisi, 10, who is in the fourth grade of Elementary School.
Damaris is a good mother to her children and her life is dedicated to her family. She usually starts her day at five am. She prepares breakfast for her children and husband and helps Ayub in preparing himself to go to school. Damaris has to walk about one kilometre to reach a spring in order to get water for washing and cooking. Using two buckets, Damaris carries the water on her shoulders. After completing her work at home she goes to the farm to help her husband. They usually spend about six hours on the farm. They plant coconut, betel vine and bananas and sell them in Inpres Market once a week. They also plant peanuts, peas, cassavas and corn in the rainy season. To generate more income, Damaris’ husband also buys vegetables and fruits from other farmers and resells them at the market. Damaris used to own another farm but because of landslide lost her land. As a result, she and her family can only depend on their current farm.
As the mother of three children, Damaris is concerned about her family. Her husband is a hard worker but the income he generates is only just enough to support their family needs. This is the reason that motivated Damaris to find another way to support her family. She heard about the TLM cattle fattening program and would like to join it. Together with other farmers also interested in joining the program, they formed Kisan A Group to apply for the loan. Damaris is requesting a loan of IDR 3,300,000 to buy a calf to fatten over a 12 month period. The other group members are also requesting the same loan. All of them have the same goal: to improve their lives.
Note: Melinda was not present when the group picture was taken.
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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Success!! The loan was 100% repaid