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Semi is a 23-year-old single lady who lives with her parents in a modest house. To support her family, Semi sells tamarinds, candle nuts, and nutmeg or other goods such as copra that she purchases from other people. She has been running this business for almost three years. She sells her products from house-to-house as well as at the market.

Semi usually spends the income from her business to buy her business stock and cover daily needs as well as to meet the educational costs of her siblings who are still at the high school. She admits that the income generated is not enough to fully cover her family's needs.

She is looking for ways to increase her income. She wants to purchase more crops, i.e. tamarinds, candle nuts, nutmeg and copra to sell. She is requesting a loan amounting to IDR 5,000,000 from TLM. She is quite sure that the loan will help her in improving her business.

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
  • 114
    View loans »
    Indonesia Loans Fundraising
  • $6,318,525
    Funds lent in using Kiva
  • 8,533.1
    Indonesia Rupiahs (IDR) = $1 USD

Success!! The loan was 100% repaid

A loan of $600 helped Semi to buy tamarinds, candle nuts, nutmeg and copra to sell.
100% repaid
Repayment Term
38 months (Additional Information)
Repayment Schedule
Aug 4, 2011
Aug 23, 2011
Currency Exchange Loss:
Apr 17, 2013