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Message from the CEO
I am proud to share that Kaebauk continues to thrive, having provided financial credit to more than 22,000 households. By the end of 2025, we achieved total revenue exceeding USD 10 million and a total loan portfolio of just over USD 45 million.
In addition, Kaebauk has continued to work closely with our counterparts to promote and prioritize financial inclusion across Timor-Leste. Our collective resilience, strong commitment to our clients, and the trust of the communities we serve have been central to the sustained growth of our institution. We reaffirmed our role as a critical player in advancing financial inclusion in Timor-Leste and allocated USD 100,000 to support financial inclusion initiatives—programs that will continue into the future.
To better serve our clients and contribute more broadly to the economic development of Timor-Leste, upgrading Kaebauk’s license from an Other Deposit-Taking Institution (ODTI) to a Level C banking license is a key strategic priority. Kaebauk has operated as a licensed ODTI since 2016, and our long-held aspiration to become a bank is now coming to fruition. Together with the Board, management has established a Business Transformation Committee, which has made strong progress in preparing for the banking license application.
While we have made significant strides from 2016 to 2024, the year 2025 also presented several notable challenges. Client business relocations resulting from government eviction notices, along with increased competition from local banks and other financial institutions, intensified market pressures. These circumstances tested our flexibility and our ability to further support client needs, even as demand for microloans remained strong.
In 2024, Kaebauk successfully completed the upgrade of its core banking system (E-Fimo) and officially went live in March 2024, supported by new back-end servers. Looking ahead to 2025 and beyond, the IT team has conducted cybersecurity penetration testing and is progressing toward the future rollout of internet banking, mobile banking, and agent banking services.
Finally, we remain proud and confident in Kaebauk’s journey. Since becoming an ODTI, our progress has been both successful and productive, laying the foundation for new and ongoing initiatives still to be achieved. Kaebauk will continue to expand access to financial services for historically underserved populations, with the goal of uplifting thousands of families, entrepreneurs, women-led businesses, and communities across the country.
Angelo B.C Soares
Chief Executive Officer-Executive Director.
OUR SERVICES
Services That Works for You
Kaebauk operates a strong network across rural Timor-Leste, reaching underserved communities nationwide. With branches in all 13 municipalities, Kaebauk ensures broad and inclusive access to financial services. Through our dedicated field officers and mobile teams, we deliver personalized financial solutions directly where our clients live and work—ensuring no one is left behind. We carefully attend to our clients’ needs and prioritize their inquiries at all times. Our field officers are local experts in their areas of operation and consistently uphold Kaebauk’s values and principles while serving their communities.
Rural Access
Bring Kaebauk to you
Kaebauk offers flexible loan products tailored to empower micro and small enterprises, farmers, and individual borrowers. Whether it’s expanding a business, improving a home, or financing education, our loan programs help customers achieve financial independence.
Loan Solutions
Supporting Local Entrepreneurs & Families
Beyond financial services, Kaebauk is committed to educating clients on responsible borrowing, saving, and business management. Through its training programs, Kaebauk empowers clients to make informed financial decisions in their daily activities and in their use of Kaebauk credit services. In 2025, Kaebauk officially collaborated with Tuba Rai Metin (TRM), the majority shareholder of Kaebauk, to implement its Annual Financial Literacy Program, which was successfully completed in December 2025. The program aimed to strengthen clients’ financial management skills through structured training on household cash flow management, business record-keeping, credit management and responsible borrowing, as well as savings habits and financial planning. During 2025, a total of 2,413 clients participated in financial literacy classes delivered by TRM across 116 completed sessions, achieving over 90 percent attendance of targeted participants. The program covered eight districts nationwide. Please refer to the two financial literacy videos below.
Financial Education
Building Knowledge for a Sustainable Future
In 2025, Kaebauk organized numerous community events across various districts of Timor-Leste. These events were conducted by Kaebauk’s Marketing team and agricultural experts, in collaboration with IADE (a government body) and MAFPF (an NGO), with active participation from community leaders and local villagers. During the events, the Kaebauk team presented three main products: Start-Up Loans, Agricultural Loans, and SME Loans, while also socializing all Kaebauk financial products to the communities. The involvement of IADE and MAFPF was highly successful, as it significantly increased community knowledge on proper business management as well as disease prevention for animals and plants. Community events will continue to be held in other municipalities to provide direct knowledge and practical support to local communities. As a result of these initiatives, Kaebauk has been able to expand partnerships with relevant organizations and maintain strong relationships to support future community events. In addition, these activities have helped establish a strong sense of trust in Kaebauk as a microfinance institution by demonstrating transparency, reliability, and a clear commitment to supporting local businesses.
Community Growth
Investing in People
WHY CHOOSE US
Empowering Communities
Building Trust
For over two decades, Kaebauk has been more than a financial institution — we’ve been a trusted partner in helping Timorese individuals and businesses grow. Our commitment to financial inclusion, responsible lending, and community development sets us apart in every service we provide.
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Trusted Experience: Over 20 years of empowering local entrepreneurs across Timor-Leste.
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Inclusive Approach: Bringing financial access to rural and underserved communities.
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Sustainable Impact: Focused on long-term growth and economic stability for all.
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KAEBAUK
Ami Ho Ita
A partner in every step of your journey.
Branches Nationwide
Municipalities Covered
Staff Members
Total Clients Served
(Since March 2016)
Total Loans Disbursed
(Since March 2016)
Total Loan Value Disbursed
(Since March 2016)
$
M
Active Loan Clients
Female Clients
%
Rural Loan Portfolio
%
Loan Portfolio
M
$
A STRUCTURED STEP-BY-STEP LENDING WORKFLOW
Credit Process
Initial Meeting
The client meets Kaebauk’s representative either at the client’s location or at a Kaebauk office.
Document Submission
The client completes and submits all required application documents.
Document Review & Verification
Kaebauk’s representative reviews the client’s documents. This review may include visits to the client’s business and/or home.
Application Approval
Upon successful review of the client’s documents, the loan application proceeds to the approval phase.
Client Training Session
The client is invited to visit the Kaebauk office for a training session on the provisions of the loan agreement.
Loan Agreement Signing
Once the client accepts the provisions of the loan agreement, the loan contract is signed by both parties.
Loan Disbursement
The loan proceeds are transferred into the client’s savings account, from which the client may withdraw funds as needed.
Promotions
FAST. SIMPLE. AFFORDABLE
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Get a Personal Loan at Attractive Interest Rates
Whether you’re planning home improvements, managing education expenses, or investing in your small business — Kaebauk makes it easy. Enjoy quick approvals, flexible repayment options, and competitive rates designed to support your goals and empower your future.
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Flexible Repayments – Tailored loan terms that fit your income and lifestyle.
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Quick Processing – Fast approval and disbursement to help you act when it matters.
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Transparent Rates – No hidden fees — just clear, honest financing.
OUR LATEST BLOG
What’s New at Kaebauk
OUR ACHIEVEMENTS
Kaebauk's Award
In March of 2026 Kaebauk is officially awarded the Client Protection Certification (Bronze) from MFR, a global rating agency headquartered in Italy. MFR provides assessments, data and technical expertise for the sustainable finance industry.
The Client Protection Certification is more than just an award for kaebauk; it is evidence that Kaebauk is committed to responsible finance, customer welfare, transparency, and ethical business practices. Through this initiative, Kaebauk will continue to strengthen its trust, improve service quality, support future growth, and contribute to greater financial inclusion in Timor-Leste.
Kaebauk’s certification level is published in MFR’s global website. You can view it on the: Reports page
For any information into what is Client Protection Certification, can refer to the following link: Client Protection Certification Communication Kit
