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Yuliana is a 37-year-old lady, married to Bernadus. They have been blessed with two lovely children, namely: Irma, a 14 year old girl, in the 2nd grade of junior high school and Doni, a 9 year old boy, in the 4th grade of elementary school.

Yuliana sells betel vine and areca nuts (a kind of plant and fruit that can be chewed both dried and fresh with lime) in the market. Yuliana has been engaged this business for five years since they returned from Irian Jaya – another province in Indonesia. She is interested in running the business as there are many people, particularly those who come from the remote places that still consume betel vine and areca nuts. The betel vine and areca nuts also still become one of the requirements in wedding tradition when the groom proposes the bride.

Yuliana initiated the business using her money. She decided to run the business as she wants to help her husband in generating more income. Moreover, their children are growing up so Yuliana needs more money to cover their living and educational cost as well. Yuliana is a kind-hearted mother; she is willing to work hard for her children’s future. She hopes that they will have better life than she has now. Yuliana would like to expand her business by selling garlic and onion. She is optimistic that these products will be sold out quickly as they are the main ingredients in cooking. Therefore, Yuliana is seeking a loan that can help her in improving her business.

She heard information about TLM that it usually assists the small entrepreneurs who have the passion and willingness to improve their businesses. She is requesting a loan of IDR 10,000,000 from TLM. She plans to purchase garlic and onion in large quantity and to add more betel vine and areca nuts stocks.

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
  • 137
    View loans »
    Indonesia Loans Fundraising
  • $6,318,525
    Funds lent in using Kiva
  • 8,530.0
    Indonesia Rupiahs (IDR) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,175 helped Yuliana to purchase garlic and onion in large quantity and to add more betel vine and areca nuts stocks.
100% repaid
Repayment Term
38 months (Additional Information)
Repayment Schedule
Jul 15, 2011
Jul 25, 2011
Currency Exchange Loss:
Jul 21, 2012