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Erna is a 42-year-old entrepreneur who is living in a simple house with her husband, Philipus, 50 years old, and their 4 children. Isak, 23, is in the university, Margy, 18, is in the 3rd grade of senior high school, Rivaldo, 10, is in the 5th grade of elementary school, and Gabriel is 2 years old.

Erna has been running a kiosk business for 3 years. She initiated the business in order to help her husband in generating more income to cover their family needs. Erna plans to expand the business by initiating a brick production business. Erna believes that the income from the business will enable her to support her children, particularly for their education. Therefore Erna applied for a loan of IDR 10,000,000. She would like to spend the loan on cement, sand, brick molds and other supporting equipment.

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
  • 26
    View loans »
    Indonesia Loans Fundraising
  • $6,133,025
    Funds lent in using Kiva
  • 9,475.4
    Indonesia Rupiahs (IDR) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,075 helped Erna to buy cement, sand, brick molds and other supporting equipment.
100% repaid
Repayment Term
38 months (Additional Information)
Repayment Schedule
Aug 7, 2012
Aug 12, 2012
Currency Exchange Loss:
Oct 17, 2014