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Henny is a 33-year-old lady who is married to Josua who works for a private company. In their marriage, they are blessed with 4 children: Reven (16) is in third grade of senior high school, Jose (10) and Stevani (8) are both at elementary school and Tasya (5) goes to kindergarten.

Even though Josua earns income on a regular basis, Henny is willing to earn more income by running a used clothing business. Henny is grateful that she can assist her husband in generating more money for her family. From the income she can cover her family's daily needs. Moreover, her children are growing up and all of them are at school now so Henny and Josua have to finance their education.

Fortunately Henny is assisted by her sister, who lives in Batam, who buys good quality used clothing for Henny. Henny can resell them at a fair price. She usually sells door to door, particularly to her regular customers, as she can sell out quickly.

Currently Henny plans to improve her business by purchasing more used clothing from Batam but, unfortunately, she does not have enough capital. She is seeking a loan of IDR 3,000,000 from TLM to buy more stock. She is hoping that TLM will approve her loan application soon.

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
  • 64
    View loans »
    Indonesia Loans Fundraising
  • $6,275,400
    Funds lent in using Kiva
  • 8,535.0
    Indonesia Rupiahs (IDR) = $1 USD

Success!! The loan was 100% repaid

A loan of $375 helped Henny to purchase more used clothing for sale.
100% repaid
Repayment Term
38 months (Additional Information)
Repayment Schedule
Aug 19, 2011
Aug 30, 2011
Currency Exchange Loss:
Oct 15, 2012