Kaebauk Investimentu no Finansas, S.A. (Kaebauk) is Timor-Leste’s leading microfinance institution, dedicated to improving lives and driving economic growth in underserved communities, with a particular emphasis on empowering women. Founded in 2001 as a microcredit initiative supported by Save the Children  and Catholic Relief Services (CRS) , the institution was formally registered in 2002 as an NGO under the name Tuba Rai Metin (TRM) . CRS expanded its operations nationwide

When taking your first loan with Kaebauk or any financial institution, it is important to carefully consider your ability to repay, your income, and your daily, weekly, and monthly expenses. You should also understand the interest rate, repayment period, and any additional fees associated with the loan. It is essential to ensure the loan is taken for a meaningful purpose, such as supporting your intended business activity, so it can help your business grow, remain sustainable

Kaebauk operates 21 branches across all 14 municipalities of Timor-Leste, offering a wide range of financial products, including consumer loans. Kaebauk’s objective remains to provide tailored loan solutions that meet the diverse needs of the people of Timor-Leste. As of December 2025, Kaebauk employed over 369 staff, making it one of the largest private-sector employers in Timor-Leste. The operations team comprises 158 employees and 108 field officers. Through this workforce