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Nazaret B Group
In this Group: Mikael, Ester, Mariana, Dominggus, Zakarias, Yuliana, Agustinus
Nazaret B is a group of 7 farmers and led by Mikael T., a 37 year-old man. He is a married man and blessed with three sons and a daughter. They are:
• Marvil T., 14 years old who is in Junior High School Grade Three;
• Melkias T., 12 years old who is in Elementary School Grade Six;
• Semuel T., 10 years old who is in Elementary School Grade Four;
• Reni T., 7 years old who is in Elementary School Grade One.

Mikael and family have been living in Oenif Village for 10 years. Just the same as the other villagers, Mikael relies on farming to generate money to meet his family's needs. He plants vegetables, tomatoes, corn and chilies on the farm.

Mikael’s family usually consumes corn as their daily staple food. They can only consume rice when Mikael generates higher income from selling his agricultural products in the market. He has to manage his income wisely to finance their daily needs and his children’s education needs. Moreover, Mikael and his wife have to take care of their daughter Reni as she is often unwell. This requires Mikael to work hard.

Mikael thought that he had to find another option to improve his family’s life and to finance his daugter’s medical treatment. Mikael then got information that TLM Foundation provides a loan through the Cattle Fattening Program for the poor farmers, particularly in the remote places of West Timor. The hope for a better life in the future drove him to join in the program.

After discussions with other farmers who were also interested in joining the program, they then formed Nazaret B Group and applied for the loan. Mikael is requesting a loan amounting to IDR 3,200,000 to buy a young cow to be fattened over a 12 month period. He hopes that the cattle fattening program will enable him to cover all of his family's needs and Reni’s medical treatment. The other group members of Nazaret B are also requesting the loan to buy young cows to fatten. They hope their loans lead them to better lives.

Note: Agustinus was replaced by his family member 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
  • 107
    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 B Group's $2,475 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:
Jan 16, 2012