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funding gap emerging markets


  • Kaebauk Investimentu no Finansas
  • Local partner investment
  • + 450 other investors
  • Fertilizers and vegetable seeds are key assets for farmers. To purchase these, Alcina from Dili, Timor-Leste, applied for a loan from KIF, our newest local partner. This kickstarted her eggplant farm. With the extra income, she enrolled her children in private high schools ensuring them the best education available. With an investment in KIF, you can support 90 entrepreneurs like Alcina. *EUR/USD exchange rate risk*

    36 months
    6 months
    Maturity36 months
    Repayments6 months
      Fully funded in 22 days on 27 June 2023.


      Please note: 1st repayment of the principal after 12 months instead of 6 months. However, the interest payments start after 6 months.

      Kaebauk Investmentu No Finansas (KIF) is a microfinance institution in East Timor. This country in Southeast Asia is one of the smallest and least developed countries in the region. With only 13% of the population having access to regular financial services, it is highly necessary that KIF provides financial products to poor rural and urban populations so they can improve their living conditions. 

      Luckily, Alcina was one of the people who received a loan from KIF. As she stands in her blooming eggplant farm, she reflects on what it looked like before. With the loan she received from KIF, she was able to buy eggplant seeds and fertilizer. Without the financial support from KIF, she would still be standing in an empty field. Purchasing seeds and fertilizers kickstarted her farm. Besides being a proud, female farmer, she is also a proud mom as she was able to enrol her children in private high schools which ensures that her children get the best education available.

      Today, KIF has become an essential player in Timor-Leste's economic and social development. Interestingly, KIF is also the largest private employer in Timor-Leste. Will you invest in KIF, and create impact for the company as well as for women like Alcina?

      Loan objective

      With this loan from Lendahand KIF will provide finance to about 90 rural entrepreneurs, farmers, women-owned businesses, and many other SMEs in Timor Leste. This loan enables households, farmers, and other clients to grow their businesses, assist in growing their agricultural activities, and housing improvements, and help their children to get access to better education.

      About local partner KIF 

      Local partner KIF began its operations in 2001 with support from Save the Children, but later on, registered as a distinguished MFI under Catholic Relief Services. From the start, the objective was to improve the livelihood of women and poor families through financial services. It has been proven that such microcredit activity is critical for the economic development of Timor-Leste, especially with the understanding that there were and still are very few financial services available. The economy of Timor Leste is weak. There is hardly any industry in the country. The fact that Kaebauk Inbestimentu No Finansas (KIF) is the largest private employer in Timor-Leste with over 300 employees, says quite something about the size of the economy but also underlines the important role KIF plays in Timor Leste.

      Timor-Leste is home to 1.3 million people. The capital Dili is a relatively small city where the days of Portuguese colonialism blend with Indonesian influences and the culture of the indigenous habitants. The country is heavily reliant on its border with Indonesia and the income generated from oil and gas exploration. The economy in Timor Leste is primarily focused on agriculture and trade.

      KIF in numbers

      • Founded in 2001
      • 324 employees 
      • 15.956 loans issued (end of 2022)
      • 70% are female borrowers

      USD Risk 

      Check the interest rate and maturity KIF offers you as an investor at the top of this page. For more information about possible exchange rate risks, visit our currency page.


      Company nameKIF
      CEOAngelo Soares
      LocationDili, Timor Leste
      Credit Score3.36


      Currently, 41% of the population in Timor-Leste lives below the poverty line, and only 13% of the population has access to regular financial services. The existence of a financial institution like KIF is essential for the economic growth of Timor-Leste

      Kaebauk Investimentu no Finansas, SA (KIF) is committed to being a trusted and accessible financial institution in Timor-Leste. Microfinance loans and related services are provided to a large number of poor entrepreneurs in a sustainable and regulated manner, ultimately improving the quality of lives for families and empowering women. About 70% of all loans are directed towards female entrepreneurs.

      With a loan from Lendahand KIF will be able to extend financial support to a number of rural entrepreneurs, farmers, women-owned businesses, and other SMEs in Timor Leste. With your investment in local partner KIF, entrepreneurs can expand their businesses, and create jobs. 


      SDGs impacted

      With this project, you are contributing to the following Sustainable Development Goals:

      SDG 1 - No poverty

      SDG 8 - Decent work and economic growth

      Read more about the impact you can make through our platform and the SDGs on our impact page.


      Related blog posts

      • With this investment 10 jobs are created
      • With this investment 450 lives are improved

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      We have already contributed to KIF

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