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Update on Julius

Julius is a 51-year-old man who lives with his wife Magdalena and six children. Julius is a farmer who harvests rice. In order to generate more regular income to supplement his quarterly rice harvests and meet his family needs, Julius plants vegetables such as mustard greens and string beans. He learned farming skills from his parents and every day he goes out on foot to the farm which is three kilometers away. The produce from his harvest he sells in the local traditional market.

Julius plans to buy a calf and seeds to plant more vegetables. He is therefore asking for an individual loan from TLM to the amount of IDR 4,500,000. He hopes that his investment will run well so he will be able to provide for his family and also repay the loan.

Previous Loan Details

Julius is a 49-year-old man who is married to Magdalena, a 38-year-old lady. They have been blessed with six children: Yulinda, 18, who only graduated from Junior High School, helps her mother to weave; Imanuel, 17, is studying in the first grade of Senior High School; Brudel, 12, Sifrido, 11, an... More from Julius's previous loan »

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.

Concurrent and Successive Loans

Our Field Partners often work with borrowers over a series of loans as the borrowers build credit, take out bigger loans, and expand their businesses. In order to make it easier for our Field Partners to post loans for borrowers who have been listed on Kiva before, we allow them to post successive and concurrent loans for their Kiva borrowers. This means that our Field Partners are able to post a borrower's second, third, etc., loan on Kiva without having to re-enter all of the borrower's information.

This borrower has been listed on Kiva before, so you'll see an updated loan description, as well as excerpts of the original descriptions from earlier loans. Most borrowers take out loans consecutively, meaning that they receive a second loan after having repaid the first. However, sometimes our Field Partners give out concurrent loans, allowing borrowers to take out one primary loan and a secondary "add-on" loan along with it. These "add-on" loans are typically smaller than the borrower's primary loan and serve a different purpose. Because Field Partners can now post loans as successive and concurrent loans, you will be able to track borrower progress over time and see the various ways a borrower is working with our Field Partners through funds from Kiva’s lenders.

About Indonesia

  • $5,200
    Average annual income
  • 32
    View loans »
    Indonesia Loans Fundraising
  • $5,306,625
    Funds lent in using Kiva
  • 9,919.9
    Indonesia Rupiahs (IDR) = $1 USD

Success!! The loan was 100% repaid

A loan of $475 helped Julius to buy a calf and seeds to plant more vegetables.
100% repaid
Repayment Term
38 months (Additional Information)
Repayment Schedule
Jun 18, 2013
Jun 30, 2013
Currency Exchange Loss:
Apr 22, 2015
This photo was used before for a previous loan for Julius. It was first posted on Kiva on Oct, 2011. Learn More