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Lemorai Group
In this Group: Joaninha , Serafina , Olinda, Marta , Josefina
Joaninha, 24 years old, is married and has two children. Her husband is a farmer. Joaninha started this business 1 year ago with a working capital of $500. She is requesting this loan to purchase some additional items including sugar, cigarettes and biscuits.

Joaninha lives in a house make of bricks and a roof of zinc. She wants to open a big store and build a good house for her family in the future. In the photo, Joaninha is holding the folder.

Additional Information

Information about TRM

Tuba Rai Metin (TRM) is a microfinance institution in East Timor, one of the smallest, newest and least developed countries in Southeast Asia. The organization provides credit, savings and micro-insurance services to more than 7,000 clients. Its goal is to extend its reach into even more remote regions through branchless banking services.

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.

About Timor-Leste

  • $3,100
    Average annual income
  • 0
    View loans »
    Timor-Leste Loans Fundraising
  • $1,508,850
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A portion of Lemorai Group's $1,500 loan helped a member to buy some needed items to sell.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Jul 17, 2012
Jul 28, 2012
Currency Exchange Loss:
Feb 15, 2013