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Yuliani is a 43-year-old, friendly woman. She is married and has two children: Ni Wayan, 18 years old; and Komal, 7 years old. Both of them are at school.

Yuliani’s husband is only a low-level employee who earns a small income on a monthly basis. As a wife, Yuliani also feels responsible to support her husband in meeting their family needs. Moreover, her second child Komal is having problems with his digestive system. Yuliani has to spend a lot of money for Komal’s treatment and sometimes she has to borrow money from her relatives for the treatment. This situation drove Yuliani to do something to generate additional income for her family.

She used her little money as capital to initiate her business. She sells clothes that she orders from Java (the western part of Indonesia). She prefers to order her business stock from Java because of the cheaper price. Due to the limited capital that she had, she could only have limited stock to sell and as a result, she could only generate a small income.

Yuliani really wants to improve her business by adding more clothes and other items to sell. She is requesting a loan of IDR 10,000,000 from TLM. She believes that the loan will help her to generate better income.

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 Indonesia

  • $5,200
    Average annual income
  • 36
    View loans »
    Indonesia Loans Fundraising
  • $6,152,850
    Funds lent in using Kiva
  • 9,032.0
    Indonesia Rupiahs (IDR) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,125 helped Yuliani to buy more clothes and other items to sell.
100% repaid
Repayment Term
38 months (Additional Information)
Repayment Schedule
Jan 12, 2011
Jan 27, 2011
Currency Exchange Loss:
Jun 17, 2013