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Nazaret A Group
In this Group: Obednego, Sarlota, Otniel, Melanus, Yohana, Yublina, Adel, Sara
Nazaret A is a group of eight farmers in Oenif Village-Kupang District, East Nusa Tenggara Province. It is situated about 30 km (one hour's drive) from Kupang City. Even though this village is categorized as a remote place, the road into the village is good and has been sealed. There are 35 families who live in the village. The community in Oenif Village relies on farming as their primary income source. The most difficult challenge faced by the community is lack of water for watering their crops. They usually sell their agricultural crops in Inpres Market at Kupang City, as there is no traditional market available in the village. They take motorbike taxis to bring their agricultural crops to Inpres Market as there is no public transport from their village. It costs IDR. 20.000/ return trip.

Nazaret A Group is led by a 41 year old, Obednego L.. He is married and blessed with three nice children. They are:
- Remli L., 17 years old, who is in the Second Grade of Senior High School
- Reliana L., 14 years old, who is in the Second Grade of Junior High School
- Rismi L., 7 years old, who is in the First Grade of Elementary School

Obednego relies on agricultural crops and the breeding of pigs and goats. Obednego is very concerned about his children’s education. For Obednego education is a priority for his children’s future. Currently, Remli is studying in a Catholic School in So’e - South Central Region of Timor in East Nusa Tenggara Province. It is situated about 150 km from Oenif Village, so they need a lot of money to pay his education costs. He has to send IDR 500,000 per month to pay for his son’s school, living expenses and daily needs. This is one of the reasons why Obednego has to work hard at selling his crops. Fortunately, his wife is able to help him with selling their agricultural crops at the market.

As the father of 3 children, Obednego dreams of providing a better life for his family and to support his children’s education through to University. The lack of capital is the main issue for him in improving his family’s living standard. Moreover, he also does not have any other skills to generate further income. One day he heard from the clergyman in the village that the Kiva field partner – TLM Foundation, assists poor farmers, particularly in West Timor, by providing loans through the Cattle Fattening Program. He is very interested in joining the program as he has experience in fattening livestock and he thinks this program will have a positive impact on his family’s future.

Obednego discussed it with his neighbours and they are also interested in the program so they formed a group which is called Nazaret A. Obednego is requesting a loan of IDR 3,200,000 to buy a young cow to be fattened over a 12 month period. Other group members are also requesting loans to buy young cattle as they are sure this program is a good way for them to improve their families’ lives.

Note: Sarlota and Sara were replaced by their family members when the group picture was taken.

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
  • 99
    View loans »
    Indonesia Loans Fundraising
  • $6,318,525
    Funds lent in using Kiva
  • 9,070.0
    Indonesia Rupiahs (IDR) = $1 USD

Success!! The loan was 100% repaid

A portion of Nazaret A Group's $2,825 loan helped a member to buy cattle to be fattened.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
At end of term
Mar 19, 2010
Mar 30, 2010
Currency Exchange Loss:
Apr 15, 2011