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Otniel is a 43-year-old man who is married to Margarita, a 33-year-old lady. They have four children: Fernike, 12, attending first grade of junior high school; Kevin, 9, attending fourth grade of elementary school; Britania, 6, attending first grade of elementary school; and Susan, 4.

Besides working as a teacher, Otniel also spends his time after work cultivating land in order to generate more income for his family. He plants tomatoes, chili and onion. His wife assists him in cultivating the plants and sells them at the market. Otniel is sure that the more vegetables he plants, then the more income that he could generate. Unfortunately, he has very limited capital to do so. This situation led him to request a loan from TLM amounting to IDR 7,500,000. Otniel would like to spend the loan on various vegetable seeds and fertilizer. Otniel really hopes that he could improve the business through this loan assistance.

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

  • $5,200
    Average annual income
  • 30
    View loans »
    Indonesia Loans Fundraising
  • $5,208,900
    Funds lent in using Kiva
  • 9,580.0
    Indonesia Rupiahs (IDR) = $1 USD
Ended with Loss - Currency Exchange Loss learn more
A loan of $800 helped Otniel to buy various vegetable seeds and fertilizer.
89% repaid
Repayment Term
38 months (Additional Information)
Repayment Schedule
Sep 21, 2012
Oct 9, 2012
Currency Exchange Loss:
May 19, 2015