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SUCCESS STORIES
Real Impact, Real Lives Transformed
Client's Name : Mrs. Adelia Gomes Barros
Product : SME Level - 1
Branch : Ermera
Cycle : 7
Mrs. Adelia Gomes Barros aged 37 From Ermera municipality began her business in 2014, selling traditional clothing known as “Tais”. This was a small Micro business, which contributed little income and was difficult for her to manage daily household activities, in addition to looking after her 7 children. Hence, Mrs. Adlia had a new business idea to initiate another small business such as a kiosk (small store), to increase her income and to sustain her family. At that time, she had no funds to open the kiosk, she sought credit from Kaebauk to increase her funds and invest into the small business. Mrs. Adelina approached Kaeabuk Branch in Ermera district for information and credit for a small kiosk. After a meeting with Kaebauk staff at Ermera branch Mrs. Adelia started preparing documents and submitting documents as per-requirement, and just under 3 days Mrs. Adelina was contacted and received the first credit from Kaebauk. From the credit she received, she opened the small kiosk in the Ermera market and now her business is running very-well, with more than 5 staffs for assistance with logistics and expanded business to an SME after 5 loan cycles. Mrs. Adelina is now in her 7th loan cycle and an SME loan client. Mrs. Adelia stated that "Because of Kaebauk, I was able to expand my business, pay for the education of my 7 children and able to purchase a vehicle. I was also approached by other banks offering another loan to me, I rejected and remained with Kaebauk”.
Client's Name : Mr. Sezarinho Luis Pinto
Product : Agri Loan
Branch : Becora
Cycle : 7
Mrs. Adelia Gomes Barros aged 37 From Ermera municipality began her business in 2014, selling traditional clothing known as “Tais”. This was a small Micro business, which contributed little income and was difficult for her to manage daily household activities, in addition to looking after her 7 children. Hence, Mrs. Adlia had a new business idea to initiate another small business such as a kiosk (small store), to increase her income and to sustain her family. At that time, she had no funds to open the kiosk, she sought credit from Kaebauk to increase her funds and invest into the small business. Mrs. Adelina approached Kaeabuk Branch in Ermera district for information and credit for a small kiosk. After a meeting with Kaebauk staff at Ermera branch Mrs. Adelia started preparing documents and submitting documents as per-requirement, and just under 3 days Mrs. Adelina was contacted and received the first credit from Kaebauk. From the credit she received, she opened the small kiosk in the Ermera market and now her business is running very-well, with more than 5 staffs for assistance with logistics and expanded business to an SME after 5 loan cycles. Mrs. Adelina is now in her 7th loan cycle and an SME loan client. Mrs. Adelia stated that "Because of Kaebauk, I was able to expand my business, pay for the education of my 7 children and able to purchase a vehicle. I was also approached by other banks offering another loan to me, I rejected and remained with Kaebauk”.
Client's Name : Mr. Sabino Bere Tai
Product : Micro
Branch : Maliana
Cycle : 3
Mr. Sabino Bere Tai, aged 52, from Bobonaro Municipality, is a father of four children and has more than 20 years of work experience in carpentry. With limited resources, Mr. Sabino began his career as a carpentry, using simple tools, and gradually started his own business. Mr. Sabino’s dream has always been to build a house for his family and ensure all his children finish university. Facing the realities of life, Mr. Sabino looked for ways to obtain financial support to expand his carpentry business and a kiosk (Small Store), with the aim of increasing his family’s income. By visiting the branch in Maliana. Mr. Sabino learned that Kaebauk could provide financial support through loans. Based on this information, he and his wife decided to apply for a loan from Kaebauk. They took their first loan in 2021 and continued borrowing and after three loan cycles, Mr. Sabino Bere Tai’s most recent loan is $10,000.00 USD. From this, Mr. Sabino was able to grow the business, build his family home and significantly, expand his carpentry business, increase the operations of his kiosk, purchase land for agriculture, and supported one of his children to complete university. Mr. Sabino also wants to diversify his income and will soon grow his own crops in his new purchased land and will commence his business in agriculture. Mr. Sabino stated, “My dream is to make enough income to be sustainable and ensure all my children finish university and build our dream home, through Kaebauk has allowed this to happen.”
Client's Name : Mrs. Elia Pereira Goncalves
Product : Micro
Branch : Balide Branch
Cycle : 2
Mrs. Elia Pereira Goncalves, a Tais seller at the Tais Market in Colmera, Dili. Mrs. Elia comes from the municipality of Ermera began her business activities in 2021, continuing a family tradition that was previously managed by her mother and father. Her parents decided to hand over the Tais business to Mrs. Elia. When she first took over the business, income decreased because the quantity and variety of goods in the shop were limited, Mrs. Elia made enough just to get by and maintain the business. Mrs. Elia started thinking about increasing her income by adding more Tais and accessories to her shop. However, she did not have enough capital to purchase additional goods. While seeking information from her family about credit opportunities, she knew KAEBAUK was the solution. Together with her husband, Mrs. Elia visited KAEBAUK office in Dili (Colmera – branch now Balide Branch) she prepared the required documents and successfully accessed the credit with her recent loan cycle at $3000.00 USD. The credit provided by KAEBAUK was used to purchase more Tais and accessories, significantly increasing the number and variety of products in her store. As a result, Mana Elia experienced an increase in her daily income. With the improvement in her business, Mana Elia is now considering opening a new selling location and plans to apply for additional credit to further increase her income and support her family. In addition to being a Tais seller, she is also a housewife and manages her household. She has one child, and her husband supports the business by helping her purchase Tais from the municipalities and transport them to her shop in Colmera, Dili. Mrs. Elia shared her experience by saying: “I am happy to be able to get credit from KAEBAUK. With the credit, I was able to add many goods to my store. Before, I had only a few products, but after receiving the credit, I now have many more goods and a better source of income”
