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Ayub is a 30-year-old man, married to Yane, a 26-year-old lady. They have two children named Alya, aged 3 years, and Charly, aged 6 months. Ayub and family live in a simple house with a palm leaf roof, palm tree branches for walls and a cement floor.

To cover their living expenses, Ayub works as a shrimp fisherman. He has been running this business for 10 years. Ayub usually catches the shrimp in the early morning at 4 am using a trawl net and returns home at 11 am. In a day, Ayub can catch about 2 to 4 kilograms of shrimp and he sells them to his customers. The customers usually pay him at the end of month after they weight all his catch.

However, Ayub cannot catch shrimp now since his trawl net is torn. He does not have money to buy a new trawl net or even to fix the old one. Therefore, he is seeking a loan from TLM amounting to IDR 10,000,000. He plans to spend the loan on some trawl nets to stock and another boat to support his work. Ayub really expects that TLM is willing to assist him 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
  • 50
    View loans »
    Indonesia Loans Fundraising
  • $6,157,950
    Funds lent in using Kiva
  • 8,840.0
    Indonesia Rupiahs (IDR) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,150 helped Ayub to purchase some trawl nets and another boat.
100% repaid
Repayment Term
38 months (Additional Information)
Repayment Schedule
Sep 26, 2011
Oct 9, 2011
Currency Exchange Loss:
May 17, 2014