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Cemara C Group
In this Group: Zakarias, Argop, David , Dominggus, Dominggus , Frengki, Hana, Ignasius, Naema, Rodiana, Sarluta*, Theresia, Yakobus, Yohanis, Anika*
* not pictured
Cemara C Group is a group of 15 farmers who rely on farming and selling crops to meet their families' needs. This Group is led by Zakarias R., a 77 year old man. Zakarias lives in Niukbaun Village, Kupang District of East Nusa Tenggara Province in Indonesia. He is married and has been blessed with 3 children. His children are: Thobias R., 18 years old; Merry Rasi, 15 years old – in Junior High School Grade 3; and Marthen R., 13 years old. Both Thobias and Marthen are not at school because they want to help their father (Zakarias) to earn money by farming. In this village, Zakarias works as a farmer who finances his family and the education of his children by selling banana, coconut and cassava. Sometimes the daily income that he earns is not enough to meet his family's needs. This is the reason why Zakarias wants to run another business. He is requesting a loan amounting to Rp 3,200,000 to buy cattle to be fattened. Zakarias is interested in joining the cattle fattening program because he can benefit by the profit of the cattle sale. He has a dream to send his children to the university.

The other members of this group also face the same situation as Zakarias faces. Their income from farming is not enough to meet their family's needs. And like Zakarias, they also want to improve their standard of living by running another business. They are interested in the cattle fattening program because they feel that this program can help them to generate more income for their family and for that reason, they are requesting a loan to buy cattle to be fattened.

Note: When the group picture was taken, Anika and Sarluta weren’t present, so their husbands replaced them in the group picture.

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.

This is a Group Loan

In a group loan, each member of the group receives an individual loan but is part of a larger group of individuals. The group is there to provide support to the members and to provide a system of peer pressure, but groups may or may not be formally bound by a group guarantee. In cases where there is a group guarantee, members of the group are responsible for paying back the loans of their fellow group members in the case of delinquency or default.

Kiva's Field Partners typically feature one borrower from a group. The loan description, sector, and other attributes for a group loan profile are determined by the featured borrower's loan. The other members of the group are not required to use their loans for the same purpose.

About Indonesia

  • $5,200
    Average annual income
  • 16
    View loans »
    Indonesia Loans Fundraising
  • $5,470,500
    Funds lent in using Kiva
  • 11,974.8
    Indonesia Rupiahs (IDR) = $1 USD

Success!! The loan was 100% repaid

A portion of Cemara C Group's $4,075 loan helped a member to buy cattle to be fattened.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
At end of term
Feb 26, 2009
Mar 21, 2009
Currency Exchange Loss:
Jan 15, 2010