Meet Our Clients

Zakarias Rassi

Zakarias Rassi is a 77 year-old man and has been working as a farmer most of his life. He is married and has been blessed with 12 children. He has a number of businesses which he has been running for many years. One of them is a motorcycle-taxi business which he manages. The staff are his sons.

Zakarias Rassi is involved in Cemara Group and has received loan amounting to IDR 3,200,000. The loan was spent to buy cattle to be fattened within 12 months. Zakarias is currently in the third month of the loan. This is his fourth cattle loan. He used the money from the previous loans to pay for his children's school and to buy pigs.

Before feeds the cattle, Zakarias usually goes to the farm to prepare bananas and coconuts to be sold. After that, he goes to the cattle stall to look after the cattle and to feed it. So far, there’s never been a serious problem in fattening the cattle.

Zakarias hopes that he can feed the cattle so the cattle will meet the weight requirement to be sold and he hopes to get a high profit of the cattle sale. Zakarias hopes that he will able to have his own cattle one day. With the money from the sale of this cow he hopes to start a kiosk. It's never too late to start a new business!!!

Ostiana Tobe

Ostiana Tobe is 37 years old. She lives in Manutapen village, Kupang District. She became widowed in 2003. She has 2 children; they are Melkianus, Grade 2 in Senior High School and Dervin, Grade 3 in junior High School. She runs a kiosk business where she sells a variety of goods for household needs. The kiosk business is the main source of income for her to meet their daily needs and to finance her children's education.

Ostiana started to generate money from a business by selling Popsicle while her husband was still alive. After the death of her husband, Ostiana has to work hard to meet her family needs, and she then thought about the way to expand her business by selling various household needs. The capital limitation that Ostiana had, has led her to find a loan to support her business.

Ostiana has received her second loan amounting to IDR 3,000,000 from TLM. She spent the loan that she has received to buy her business needs such as kerosene, cigarettes, vegetables, mobile phone credit recharge, bananas, noodle, snack, biscuit and candies, various cooking ingredients; firewood, etc.

Ostiana recognized that the loan has helped her to get a better income. Prior to get the loan, Ostiana was only able to generate daily income for about IDR 40,000 – IDR 50,000. But after receiving the loan, she is able to generate IDR 80,000 – IDR 100,000 per day.

Ostiana plans to add more stocks on her business and she also plans to expand the business place. She hopes that she can get additional capital to expand her business place and to add more stocks on her business because her biggest dream is to send her children to the university.

Apner Natun

Apner Natun is forty-two years old. He is a married man and has 4 children who are: Ricki 15 years old - in Junior High School Grade 3; Frengki 13 years old - in Elementary School Grade 6; Nonci 11 years old who has suffered from deafness since she was born. Apner can not send her to school because there is no school for deaf people in this village. And the last one is Reni 5 years old – who studies in the Kindergarten. As a farmer, Apner usually relies on the crops to generate money in order to meet his family needs. He usually sells bananas, cucumbers, vegetables, cassavas, corns and coconuts in the traditional markets as well as the markets in Kupang city. The income generated from selling crops sometimes is not enough to meet his family needs. This is the reason why he wants to run another business. He is interested in the cattle fattening program because he will be able to generate profit after fattening the cattle.

Apner has received the loan amounting to IDR 3,300,000 that have been spent to buy cattle to be fattened over 12 month period. He is currently in the third month of the loan. He recognized that he has never faced difficulties in fattening the cattle. After having the cattle, Apner has additional activities to feed and to look after the cattle. He really enjoys his new activities.