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Justina is married. She has six children and a husband who is a working businessman. She runs a shop in order to generate income for her family. She has been thinking about how to run a bigger business but she does not have enough working capital. She felt better when she applied for her first loan. Justina is taking a loan of 1,000 USD from TRM (Tuba Rai Metin). With it, she will buy some additional supplies to keep in her store such as clothes and shoes.

She is happy with TRM (Tuba Rai Metin) because they offer loans to poor people.

Additional Information

More information about this loan

This loan is part of TRM’s effort to reach microentrepreneurs in East Timor, a region suffering from a deeply underdeveloped financial sector. Since its independence in 2002, East Timor has struggled with internal tensions which led to the quasi disappearance of its financial system. As of 2012, TRM is one of only two MFIs operating in East Timor trying to respond to the needs of thousands of microentrepreneurs. This loan provides underserved borrowers with critical capital to sustain their existing businesses. 

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.

About Timor-Leste

  • $6,800
    Average annual income
  • 82
    View loans »
    Timor-Leste Loans Fundraising
  • $2,015,050
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,000 helped Justina to buy clothes and shoes.
100% repaid
Repayment Term
11 months (Additional Information)
Repayment Schedule
Apr 17, 2013
May 7, 2013
Currency Exchange Loss:
Apr 16, 2014