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Nova
Nova is a 27-year-old single woman who graduated from a vocational school. She lives with her parents in a remote village of Naikliu. It is situated about 85 km from Kupang. Nova has 6 siblings. She is very interested in running a beauty salon and according to her, there are no other people running this type of business in the village.

Using her own capital, Nova opened a beauty salon business in the village of Naibonat. Her business place is located nearby the main road. She believes that her business place is a strategic place that provides her the best opportunity to run the business. According to Nova, her business is still small and very simple. Currently, she only has limited equipment to run the business. With this limitation, the profit generated is still small. Besides that, she still has to pay for the rental fee of IDR 2,500,000 per year. Nova expects to soon have more and better equipment so that she can improve her business. To do so, Nova needs additional capital.

She is requesting a loan of IDR 5,000,000 from TLM. She plans to use the loan to buy new equipment and other beauty products to support her salon. She hopes that the loan will help her improve her business.

Additional Information

About Tanaoba Lais Manekat

This 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.

About Indonesia

  • $4,458
    Average annual income
  • 57
    View loans »
    Indonesia Loans Fundraising
  • $4,477,325
    Funds lent in using Kiva
  • 8,898.0
    Indonesia Rupiahs (IDR) = $1 USD