Bernadus Kloe stands in the middle of his garden among his promising vegetable plants. He was one of the success farmers after expanding his business by loaning capital from bank. Now, he gets Rp. 400.000 everyday.
Farming is a main livelihood in Timor. Bernadus Kloe, 39, is one of them who live in Bijaepasu village, Timor. He has become a horticulture farmer since 2009. Together with his wife, Bernadus planted vegetables such as eggplant and chili in their garden. They sold vegetable crops to their neighbors. At that time, the revenue was just enough to earn Bernadus's family daily needs.
Bernadus's way of farming has changed since he got socialization from Wahana Visi Indonesia, a partner of World Vision. This socialization event aimed at teaching the farmer about how to get another source of capital from Bank Rakyat Indonesia (People's Bank of Indonesia). He was interested to expand his business by loaning capital from BRI. At first, he borrowed Rp. 4.000.000 from that bank and successfully returned it. He did not only sell vegetable crops to his neighbors but also other areas. He and his wife tried to sell their crops to traditional market in other villages. Their effort was really success that they themselves did not capable anymore to serve market request.
Last 2013, Nadus borrowed Rp. 20.000.000 to expand his business. Besides, he would not only plant eggplant and chili but also chicory and kangkung. He used the money to buy water motor, farming utilities, and vegetable seeds. Totally, he got Rp. 400.000 each day from selling vegetables in the market. This profit is used to return his credit to bank, earn his family' daily needs, and pay their children school tuition. Moreover, he also saved the money for his children future.
Bernadus really concerns on his farming business because he wants to send their children to college and make a proper home for his family. He really works hard for his future goals. Bernadus takes some assistance from Wahana Visi Indonesia like entrepreneurship and organic farming to build his own knowledge about farming. This assistance really helps him to work better.
*Written by Yumince Pinat, Development Facilitator, Wahana Visi Indonesia at North Central Timor operational office