Kaebauk Investimentu no Finansas, S.A. (Kaebauk) is an Other Deposit Taking Institution (ODTI). In 2016, Kaebauk officially transformed to an ODTI, from Tuba Rai Metin, a non- license microfinance institution, which has been providing loan since 2001. Kaebauk is a joint stock company owned by the two local entities: TRM and TURAME’s Association, as well as two International Institutional investors; IFC and BOPA. Kaebauk scope of services is to provide loan and deposit products to Timorese nationals. Kaebauk is one of the largest private sectors employers in Timor-Leste with total staff more than 300 as end of December 2020.

Most of our services are provided in rural areas as we focus our financial services to the unbanked low-income entrepreneurs. By doing so, we believe that we will be able to contribute to sustainable economic growth in the country. Kaebauk believes in the philosophy of financial inclusion – extend financial services to the unbanked customers to support the alleviation of poverty and allow our customers to have the opportunity to build a better life.