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Feronika is a 47-year-old lady who is married to Yahya, a 48-year-old man. From their marriage, they are blessed with an only son namely Mario, 17 years old, who is studying at a university in Java Island.

Feronika runs a home-based business selling various pastries and cakes. She has been running the business for 10 years. Feronika employs four people to assist her in running the business. In a day she can produce various kinds of pastries with various flavors and cakes. Beside offering the products at kiosks or mini markets, Feronika also produces pastries according to customer’s order.

Since Christmas Day is coming, Feronika has received many orders from her customers. Actually she is happy as she will generate more income but due to the limited capacity of the roaster that she has, Feronika planned to seek a loan.

She got information that TLM provides an individual lending program especially for micro- and small entrepreneurs. Therefore she is requesting a loan of IDR 10,000,000 from TLM to purchase a roaster and more ingredients such wheat, sugar, eggs, butter, etc in the large quantity.

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
  • 65
    View loans »
    Indonesia Loans Fundraising
  • $6,275,400
    Funds lent in using Kiva
  • 9,175.0
    Indonesia Rupiahs (IDR) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,100 helped Feronika to purchase a roaster and more ingredients such wheat, sugar, eggs, butter, etc.
100% repaid
Repayment Term
38 months (Additional Information)
Repayment Schedule
Nov 22, 2011
Nov 30, 2011
Currency Exchange Loss:
Jan 17, 2014