Even though her husband has a regular income to meet the family needs, Hadijah does not want to solely rely on her husband’s income. One of Hadijah hobbies is making cakes and she utilizes this skill to generate income. She produces different types of cakes and cookies, such as bread, platter cakes, sponge cakes, chocolate cookies, “nastar” cakes (made of wheat flour, margarine, eggs, and jam), etc. Hadijah distributes her products to traditional market and kiosks.
Hadijah is thinking of expanding her business by providing many more types of cakes in large quantities. She is requesting a loan for 4,000,000 IDR from TLM, which she will use to purchase flour, rice flour, margarine, eggs, cheese, and other ingredients. She believes that the business has good prospects for the future and would enable her to generate more income for the family.
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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