"Timor-leste's leading microfinance institution"


Kaebauk’s roots go back to 2003 when it started as a microcredit operation under Tuba Rai Metin (TRM) which translates to “Stand Firmly on the Ground”. The organization grew steadily over the years, withstanding civil unrest during the 2006 crisis which saw 13 other MFIs operating in Timor-Leste close down their operations. During this period a group of dedicated employees took responsibility of running of the organization as TRM’s international support agencies left. TRM showed great resilience over the years and grew into Timor-Leste’s largest MFI with 20 offices nationwide, employing over 215 local people and providing services to over 11,000 clients.

TRM has gone through a rigorous transformation process in order to strengthen its corporate governance, risk management systems, core MIS system, HR, longer term financial tie ups and other operational activities. This transformation has enabled TRM to become the country’s first ‘Other Deposit Taking Institution’ and led to the creation of Kaebauk. It is the first company in Timor-Leste to receive equity from IFC (World Bank Group) and BOPA. Kaebauk is regulated by the Central Bank which increases security and transparency for its clients and other stakeholders. Kaebauk’s employee equity holdings go a long way in ensuring their long term commitment and overall alignment with Kaebauk’s mission, which is:


"To provide microfinance and allied services for a large number of the poor in a sustainable and regulated manner to improve the quality of life of families and empower women"