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Josinta is a 30-year-old woman; she is married to Timotius, a 35-year-old man. Josinta has been blessed with three children, they are: Inyo, who is 10 years old and is in the fifth grade of elementary school; Rafly, who is seven years old and is in the first grade of primary school; and Intan, who is five years old and is not at school yet.

Josinta's husband runs a betel nut business. Her husband is only able to sell betel nut in small quantities, so their daily income is not sufficient to fully cover their daily needs. Josinta realized that she cannot rely solely on her husband's income. To support her husband in generating income, Josinta runs a home-based kiosk business.

She started this business two years ago by utilizing the very small amount of capital that she had. She first received loan assistance from TLM in a group loan (she joined a group lending program twice). The loans were used to purchase more daily household items such as; coffee, sugar, tea, betel nut, detergents, snacks etc. to be sold at her kiosk.

Josinta wishes to stock her kiosk with varied items such as: kerosene, rice, cooking spices, and instant noodles as requested by her customers. However, she doesn't have enough capital to make it happen. Josinta then submitted her loan application and requesting a loan of 5,000,000 Rupiah (IDR) from TLM. Josinta is expecting that TLM will assist her again with the loan.

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
  • 8,840.0
    Indonesia Rupiahs (IDR) = $1 USD

Success!! The loan was 100% repaid

A loan of $575 helped Josinta to purchase stock such as: kerosene, rice, cooking spices, and instant noodles.
100% repaid
Repayment Term
38 months (Additional Information)
Repayment Schedule
Sep 26, 2011
Oct 8, 2011
Currency Exchange Loss:
Oct 17, 2013