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Julius is a 47-year-old man who is married to Vera, a 38-year-old woman. They have been blessed with a son, Jason, 4 months old. Julius is a civil servant, and his wife is an entrepreneur.

He has just bought a house to live in with his family nearby his old house. He gave his old house away to his parents to live in. He wants to build a garage in his new house and help his mother to run a kiosk business at the old house, but he does not have enough money to do so; therefore, he is requesting an individual loan from TLM in the amount of 10,000,000 IDR (Indonesian rupiah). The loan will be spent to buy some kiosk stock such as soap, detergent, snacks, etc., and also to purchase the material to build his garage. He hopes that the kiosk business will be improved with the loan provided by TLM.

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 Housing Loans

Many poor families cannot afford housing that meets their needs. When you make a housing loan on Kiva, you give people access to flexible capital to obtain or improve their homes. Better housing means better health, sanitation, and even educational outcomes for children. A house can also be much more for entrepreneurs who run businesses out of their homes. In this way, housing and small business loans on Kiva share a common purpose: to alleviate poverty and enable families to enjoy more stable lives.


About Indonesia

  • $5,200
    Average annual income
  • 73
    View loans »
    Indonesia Loans Fundraising
  • $6,318,525
    Funds lent in using Kiva
  • 10,748.9
    Indonesia Rupiahs (IDR) = $1 USD

Success!! The loan was 100% repaid

A loan of $950 helped Julius to buy some kiosk stock such as soap, detergent, snacks, etc., and also to purchase the material to build his garage.
100% repaid
Repayment Term
38 months (Additional Information)
Repayment Schedule
Aug 16, 2013
Aug 26, 2013
Currency Exchange Loss:
Aug 17, 2015