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Joni is a 28-year-old single man. He is a handyman who is working at a furniture workshop.

To make more money, Joni is also running his own business: a motorcycle-washing business. He started the business three months ago by using his own capital to buy the washing equipment and to rent a business place. In order to assist him in running the business, Joni hired his relative to manage the business, as he must go to work at the furniture workshop every day.

Recently, he has been building his own semi-permanent house, but he has limited money to buy more supporting material. This situation led him to go to TLM's office and apply for a loan amounting of IDR 12,000,000. The loan will be spent on teak planks and plywood for his house.

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 Housing Loans

Many poor families cannot afford housing that meets their needs. When you make a housing loan on Kiva, you give people access to flexible capital to obtain or improve their homes. Better housing means better health, sanitation, and even educational outcomes for children. A house can also be much more for entrepreneurs who run businesses out of their homes. In this way, housing and small business loans on Kiva share a common purpose: to alleviate poverty and enable families to enjoy more stable lives.


About Indonesia

  • $5,200
    Average annual income
  • 31
    View loans »
    Indonesia Loans Fundraising
  • $5,314,100
    Funds lent in using Kiva
  • 11,529.0
    Indonesia Rupiahs (IDR) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,050 helped Joni to buy teak planks and plywood for his house.
100% repaid
Repayment Term
38 months (Additional Information)
Repayment Schedule
Sep 27, 2013
Oct 10, 2013
Currency Exchange Loss:
Jul 17, 2015