{"id":11,"date":"2021-11-18T05:33:14","date_gmt":"2021-11-18T05:33:14","guid":{"rendered":"https:\/\/tubaraimetin.com\/?page_id=11"},"modified":"2022-02-17T02:14:07","modified_gmt":"2022-02-17T02:14:07","slug":"history","status":"publish","type":"page","link":"https:\/\/www.tubaraimetin.com\/tet\/history\/","title":{"rendered":"history"},"content":{"rendered":"
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History of Tuba Rai Metin<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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\"\"<\/p>\n

Lia Menon hosi Presidente Foundasaun - Angelo B. C. Soares
<\/strong>Permite hau atu fahe ho Ita Boot sira, ami nia istoria hari organizasaun no fo servisu atendemento ida ne\u2019ebe ho kualidade durante tinan 15 ikus no ami nia visaun hodi kontinua dezelvolve Kaebauk.<\/p>\n

Ami nia Jornada no Servisu Principal hirak ne\u2019ebe Realiza<\/strong><\/p>\n

Ami hahu ami nia operasaun iha tinan 2001, hanesan Programa Micro Kredito, ne\u2019ebe hetan suporta hosi Organizasaun Nao Governo - ONG ida hosi Estados Unidos Amerika ho naran Save the Children.\nHahu hosi inicio, ami nia objetivo atu hadi\u2019a Inan feton no familia kiak sira nia moris, liu hosi oferese servisu finanseira. Provas hatudu ona katak atividade Micro Kredito inportante tebes hodi dezenvolve ekonomia nasaun ida nebe deit, liu-liu atu hatene lolos katak servisu finanseira ne\u2019ebe iha ka egiste uituan liu. Iha programa dahuluk ami oferese deit produtu ida mak hanesan Kredito ba Grupo, ne\u2019ebe fo kredito ho montante entre $50 no $100 ba kada Membro iha Grupo laran.\nIha tinan 2002, Managemento hosi Programa Micro Kredito, muda ba Catholic Relief Services \u2013 CRS hodi habelar tan programa ba iha Municipio Baucau. Iha duni tinan 2002, formalmente ami regista programa refere hanesan Instituisaun Micro Finansas ne\u2019ebe hanaran Tuba Rai Metin ka TRM.\nOperasaun TRM nian lao ho diak ho suporta nomos supervizaun hosi CRS to\u2019o krize iha tinan 2006-2007, ne\u2019ebe involve disturbi sivil ida ne\u2019ebe makaas tebe-tebes. Hanesan rezultado hosi krize ida ne\u2019e, obriga Instituisaun Micro Finansas 13 iha Timor-Leste labele kontinua sira nia aktividade tamba lakon fiar no sasan.\nInpakto hosi krize ida ne\u2019e ba Tuba Rai Metin boot tebe-tebes. Ami nia Director Executivo desidi hodi refuzia ba Australia, ne\u2019ebe hodi resulta CRS lakon fiar ba equipa ne\u2019ebe sei iha no konsidera katak TRM nia opersaun ne\u2019ebe lao hela ne\u2019e finanseiramente labele ona. Ho equipa ne\u2019ebe sei iha, ami desidi hodi kontinua TRM nia operasaun, ho independente. Tamba iha momento neba ami fiar katak, krize labele sai hanesan razaun mai ami atu hapara ajudus ba Maluk sira. Ami iha konfiansa katak ami bele halao opersaun tamba ami iha ona experiencia hodi hala\u2019o operasaun ida ne\u2019e antes krize ne akontese.<\/p>\n

Ami introdus strategia barak hodi bele responde ba opstaklu barak iha tempo neba, ida mak ami tengke obriga-an hodi hamenus kustu operasaun hotu-hotu. No pior liutan too husu atu staff sira servisu sem vencimento ba fulan balun.\nFinalmente, ami foti desizaun hodi kontinua TRM nia opersaun hanesan instituisaun independente, nudar hatudu ona iha istoria sucsessu ne\u2019ebe iha. Buat hirak ne\u2019e hotu sei la akontese wainhira laiha dedikasaun hosi equipa tomak ne\u2019ebe kontinua tau sira nia komitmento ne\u2019ebe boot ba TRM iha tempo ida ne\u2019ebe susar tebes.\nIha Staff lubun balun hatudu duni sira nia honestidade nomos lealidade durante tempo krize hodi rai osan ho montante boot iha sira ida-idak nia uma. Ida ne\u2019e sira tengke halo duni tamba laiha Banku ida iha nasaun laran, ne\u2019ebe bele simu deposito iha momento neba. Iha sorin seluk ema barak iha Dili sai husik hela sira nia uma hodi sai hanesan refuijado iha rai laran, maibe laiha sentavos ida mak lakon hosi osan hirak ne\u2019ebe staff hirak ne\u2019e rai. Wainhira nasaun neneik-neneik hahu stavel fila fali, TRM hahu hetan fila fali oportunidade no ami bele manege fila fali operasaun hotu ho independente. Iha inisio tinan 2007, ami hahu halo expansaun fila fali, hodi loke tan Sukursal ida iha Municipio Lautem.<\/p>\n

Iha fim de tinan 2009, TRM hahu halo parseria ho UNCDF liu hosi Kompania BASIX, Instituisaun Microfinansas ida ne\u2019ebe ho experiencia barak ne\u2019ebe mai hosi India. Hanesan resultado hosi parseria ida ne\u2019e, instituisaun rua ne\u2019e hatudu sira nia ascesor technico ida hodi fo assistensia mai ami hodi hadia ami nia programa mikro kredito. Parseria ida ne\u2019e beneficia signifikado tebe-tebes no iha tinan 2010, ami hahu oferese imprestimo ba individu ho tipu oi-oin inklui produtu ba agrikultura, negosio kiik oan no imprestimo ba konsumu hanesan hadia uma, vehiculo nomos imprestimo ba edukasaun. Iha tinan hanesan, depois de Banku Central desenvolde regulamento ba ODTI no sai hanesan obrigatorio ba Instituisaun Microfinansas hotu-hotu, tengke regulariza hotu, TRM hahu hala\u2019o prosesu hodi bele hetan licenca ba ODTI.<\/p>\n

TRM hahu tama iha fase foun ba transformasaun, hosi instituisaun ida ne\u2019ebe la halo lukru ba fali ida ne\u2019ebe halo lukru. Durante iha prosesu transformasaun nia laran, TRM halo tan expansaun ba Municipio 13 no fo asistensia ba benefisiario 7000 resin, liu hosi produtu imprestimu sira. Ida ne mak halo ami sai nudar Instituisaun Microfinansas ida ne\u2019ebe boot liu iha nasaun laran. Jornada ida ne\u2019e sei labele sucsessu se laiha fundo hosi Hivos Triodos, Incofin, Grameen Credit Agricole nomos PlaNis, ne\u2019ene fo asistensia inportante durante fase defisil hodi halo fondasi iha tinan 2010 too tinan 2012. Hosi tinan 2013 mai oin, TRM hahu halo assosiado ho Instituisaun Finanseira avansado sira, hanesan IFC, EIB, Incofin nomos BOPA. Liu hosi assosiasaun hirak ne\u2019e TRM hetan benefisia hosi imprestimo, doasaun, nomos apoio technico, ne\u2019ebe servi substansialmente hadia prosesu manajementu, strutura organizasaun no ami nia actividade mikro-kreditu. Nufim TRM bele hasa\u2019e no hadia nia Portufolio Imprestimo Bruto sira, hosi USD$ 300,000 iha tinan 2009 to\u2019o Milliao 10 liu, iha tinan 2015.<\/p>\n

Sai Nudar ODTI ida<\/strong><\/p>\n

Nudar parte ida hosi prosesu atu bele hetan licensa permanente, BCTL halo avaliasaun ba ami nia Sistema sira iha Edeficio Sukursal balun, hodi determina TRM nia efetividade.\nAmi nia pratika mitigasaun ba risku no prosedura ba kontrolu interna, hetan mos investigasaun. Hafoin hetan tia licensa kompleto, BCTL hala\u2019o sira nia inspesaun annual iha ami nia fatin, hodi asegura katak ami nia operasaun kontinua la\u2019o ho diak, forti no tuir lei.\nIha tinan 2015, BCTL fosai Licensa ODTI Preliminary ba TRM, nudar pilar inportante ida iha jornada, hodi sai nudar ODTI dahuluk ne\u2019ebe hetan licensa. Nudar parte ida hosi faze ikus ba transformsaun, TRM tengke sai nudar entidade foun ida no ami desidi hodi tau nia naran \u201cKaebauk Investimentu no Finansas, S.A. ou KIF.<\/p>\n

Sasan finansas nian hotu-hotu tengke halo transferensia ba KIF no husik hela TRM nudar ONG ida ho nia managementru ketak hodi foka liu ba Programa Agrikultura no Literasia Finanseira.\nPur-enquanto, KIF kontinua halao nia aktividade Mikro-Kredito ne\u2019ebe antes ne\u2019e halao hosi TRM ho professional no transparante. KIF nudar Kompania Assionista ida ho Kompania 4 hanesan Asaun nain mak hanesan TRM, BOPA, IFC ho Assosiasaun TURAME.\nAtu bele kria regime governanca interna ida ne\u2019ebe forte, ami hari ona equipa management ida ne\u2019ebe forte no responsavel hodi reforsa tan strutura Corporasaun Governance ida ne\u2019ebe egiste, hadi\u2019a diak liutan managementu ba risku nian, relatorio nomos prosesu kontrolu. Hadi\u2019a ami nia-an mak prosesu ida ne\u2019ebe lao hela ho mudansa paisagem teknologia ne\u2019ebe lalais liu nomos haburas spetativu hosi ekosistema externa.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"

History of Tuba Rai Metin Letter from the President of the Foundation, Sr. Angelo B.C. Soares.Allow me to share with you our journey to build our organization and provide quality services over the last fifteen years and my visions for the continued development of KIF. Our journey and key achievements We began operations in 2001 […]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"nf_dc_page":"","om_disable_all_campaigns":false,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"ocean_post_layout":"full-screen","ocean_both_sidebars_style":"","ocean_both_sidebars_content_width":0,"ocean_both_sidebars_sidebars_width":0,"ocean_sidebar":"0","ocean_second_sidebar":"0","ocean_disable_margins":"enable","ocean_add_body_class":"","ocean_shortcode_before_top_bar":"","ocean_shortcode_after_top_bar":"","ocean_shortcode_before_header":"","ocean_shortcode_after_header":"","ocean_has_shortcode":"","ocean_shortcode_after_title":"","ocean_shortcode_before_footer_widgets":"","ocean_shortcode_after_footer_widgets":"","ocean_shortcode_before_footer_bottom":"","ocean_shortcode_after_footer_bottom":"","ocean_display_top_bar":"off","ocean_display_header":"default","ocean_header_style":"","ocean_center_header_left_menu":"0","ocean_custom_header_template":"0","ocean_custom_logo":0,"ocean_custom_retina_logo":0,"ocean_custom_logo_max_width":0,"ocean_custom_logo_tablet_max_width":0,"ocean_custom_logo_mobile_max_width":0,"ocean_custom_logo_max_height":0,"ocean_custom_logo_tablet_max_height":0,"ocean_custom_logo_mobile_max_height":0,"ocean_header_custom_menu":"0","ocean_menu_typo_font_family":"0","ocean_menu_typo_font_subset":"","ocean_menu_typo_font_size":0,"ocean_menu_typo_font_size_tablet":0,"ocean_menu_typo_font_size_mobile":0,"ocean_menu_typo_font_size_unit":"px","ocean_menu_typo_font_weight":"","ocean_menu_typo_font_weight_tablet":"","ocean_menu_typo_font_weight_mobile":"","ocean_menu_typo_transform":"","ocean_menu_typo_transform_tablet":"","ocean_menu_typo_transform_mobile":"","ocean_menu_typo_line_height":0,"ocean_menu_typo_line_height_tablet":0,"ocean_menu_typo_line_height_mobile":0,"ocean_menu_typo_line_height_unit":"","ocean_menu_typo_spacing":0,"ocean_menu_typo_spacing_tablet":0,"ocean_menu_typo_spacing_mobile":0,"ocean_menu_typo_spacing_unit":"","ocean_menu_link_color":"","ocean_menu_link_color_hover":"","ocean_menu_link_color_active":"","ocean_menu_link_background":"","ocean_menu_link_hover_background":"","ocean_menu_link_active_background":"","ocean_menu_social_links_bg":"","ocean_menu_social_hover_links_bg":"","ocean_menu_social_links_color":"","ocean_menu_social_hover_links_color":"","ocean_disable_title":"on","ocean_disable_heading":"default","ocean_post_title":"","ocean_post_subheading":"","ocean_post_title_style":"","ocean_post_title_background_color":"","ocean_post_title_background":0,"ocean_post_title_bg_image_position":"","ocean_post_title_bg_image_attachment":"","ocean_post_title_bg_image_repeat":"","ocean_post_title_bg_image_size":"","ocean_post_title_height":0,"ocean_post_title_bg_overlay":0.5,"ocean_post_title_bg_overlay_color":"","ocean_disable_breadcrumbs":"default","ocean_breadcrumbs_color":"","ocean_breadcrumbs_separator_color":"","ocean_breadcrumbs_links_color":"","ocean_breadcrumbs_links_hover_color":"","ocean_display_footer_widgets":"off","ocean_display_footer_bottom":"off","ocean_custom_footer_template":"0","_joinchat":[],"footnotes":""},"class_list":["post-11","page","type-page","status-publish","hentry","entry"],"yoast_head":"\nhistory - Welcome<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.tubaraimetin.com\/tet\/history\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"history - Welcome\" \/>\n<meta property=\"og:description\" content=\"History of Tuba Rai Metin Letter from the President of the Foundation, Sr. Angelo B.C. 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