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Hermina is 52 year-old housewife. She is married to Yohanis, 63 years old. She lives with her husband and their five children in a simple house. Hermina and her husband are still working hard to finance three children who are still at school. A kiosk business has been operated by Hermina since 2008 to help her with extra income. The income from the business enables her to pay for the children’s school expenses, while her husband’s income is used to finance their everyday needs.

Last year, Hermina’s kiosk was running out of stock, as she had spent her business capital for her daughter’s wedding. After that, she only focused on producing fried corn and sells it at her kiosk. She also distributes it to another kiosk near her house. She was able to continue the business because she got many orders from her customers. Recently, Hermina planned to renew her kiosk inventories, such as nine daily basic needs, snacks, coffee, sugar, tea, detergent, soap, etc. She is applying for a loan from TLM in the amount of IDR 4,500,000 to be spent on those things. She is hoping that her business will bring a good impact for her family.

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
  • $5,306,475
    Funds lent in using Kiva
  • 9,713.0
    Indonesia Rupiahs (IDR) = $1 USD

Success!! The loan was 100% repaid

A loan of $475 helped Hermina to renew her kiosk inventories, such as nine daily basic needs, snacks, coffee, sugar, tea, detergent, soap, etc.
100% repaid
Repayment Term
38 months (Additional Information)
Repayment Schedule
Feb 21, 2013
Feb 26, 2013
Currency Exchange Loss:
Oct 29, 2014