Programs

An overview of the different programs we offer

TLM’s mission is to serve the poor of NTT with love. TLM primarily achieve this mission through providing financial products to those who have no access to normal financial markets (i.e. savings and lending products) such as banks.Currently TLM has four key financial products and a number of non-financial services on offer. For more information about any of the products please contact TLM

	Financial Programs
Group Lending (KUM)	Clients are generally market traders Groups self select members and live close by Flexible group members Loans are weekly for maximum 104 weeks Loan sizes are varied for the group members based on needs and capacities Client can complete loans before the end of their loan term with no interest charged
Achiever Program (Individual Lending)	Mainly clients graduate from Small Group (KUM) program Clients are generally traders or kiosk owners Flexible loan sizes (IDR 2 Million up to 15 Million) Loans are monthly for 12 – 36 months Clients repay loans directly to the branch offices Loan disbursements takes place at branch office
Cattle Fattening	Clients are formed into groups of 15-20 farmers from the same village Member receive one cow each to be fattened After 12 months the cattle are sold Initial cost of the cattle is repaid to TLM along with 30% of the profit to cover administration Members receive 60% of the profit Groups receives 10% of the profit as Group Cash Training on cattle feed, immunization etc. is provided
Facilitating the provision of Life Insurance	TLM is partnering with an insurance company to provide life insurance for clients with a loan size above Rp. 500,000
	Non-Financial Programs
Training and Mentoring	All clients receive ongoing support and training to help them manage their businesses effectively Group clients and Individual / Achiever Clients receives business management and skills training Seaweed and Cattle-fattening clients receive training specific to their rural industries Future training: TLM plans to group clients according to their type of businesses and provide training specific to their businesses
Marketing	Through the Business Development Service (BDS), TLM acts as an agent for client products to sell in bulk to external buyers
Emergency Response	TLM provides emergency assistance for community affected by natural disasters, the victims of persecutions and violence in NTT
Community Development: Orphanage and Food Security	Christian movie screening. Show community groups using a generator and LCD projector. TLM also supports several orphanages, and provides scholarships for a number of poor children. Food Security Program TLM partnering with World Bank to implement food security program. This program has 3 components which are storage, fixed deposit and credit. The goal of this program are to develop and test cost-effective programs to enhance food security by empowering poor woman in West Timor and also to help poor people to utilize surplus in harvest to cope with the shortage in famine season. This program is implemented in 2 districts, Belu and TTS.
Personal Spiritual Transformation	TLM provide personal spiritual transformation service for its clients. Counseling is provided to all clients that are in a difficult situation and need some help from TLM.
	Business Development Services
Cattle Post	The cattle post is aimed as a quarantine / place to transit the young cattle before it is distributed to the community through Cattle Fattening Program. The main activity of this program is to buy and to improve the quality of young cattle through health care in the cattle post. The cattle posts are located in Baun, Kapan and Betun.