Yuliani’s husband is only a low-level employee who earns a small income on a monthly basis. As a wife, Yuliani also feels responsible to support her husband in meeting their family needs. Moreover, her second child Komal is having problems with his digestive system. Yuliani has to spend a lot of money for Komal’s treatment and sometimes she has to borrow money from her relatives for the treatment. This situation drove Yuliani to do something to generate additional income for her family.
She used her little money as capital to initiate her business. She sells clothes that she orders from Java (the western part of Indonesia). She prefers to order her business stock from Java because of the cheaper price. Due to the limited capital that she had, she could only have limited stock to sell and as a result, she could only generate a small income.
Yuliani really wants to improve her business by adding more clothes and other items to sell. She is requesting a loan of IDR 10,000,000 from TLM. She believes that the loan will help her to generate better income.
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.
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