Ni Komang Darmi


Status: Paid Back

$650.00   Loan Request
$650.00   Paid Back

About the Entrepreneur

Name: Ni Komang Darmi
Location: Melaya, Bali, Indonesia
Activity: General Store

About the Loan

Loan Amount: $650.00
Loan Use: Purchase additional Inventory
Repayment Term: 14 months - View details below
Lenders Repaid: Monthly
Currency Exchange Loss: Covered
Date Listed: Dec 15, 2007
Date Disbursed: Dec 29, 2007
Date Funded:Dec 15, 2007
Loan Ended:Jan 15, 2009

About the Country

Country:Indonesia
Avg Annual Income:$4,458.00
Currency:Indonesia Rupiahs (IDR)
Exchange Rate:9,292.8476 IDR = 1 USD



Ni Komang Darmi has been operating a kiosk since 15 years ago. She sells various daily needs, from staple foods, school supplies and household goods. She needs quite a large fund to operate her kiosk. Since joining DINARI, Ni Komang Darmi obtained training and possible loan facilities to increase her inventory and offerings.

Ni Komang Darmi opens her kiosk at 6 am and closes at 9pm each day. Besides operating her kiosk, Ni Komang Darmi goes to the market to buy goods to be resold every three days. Sometimes she gets her goods from roaming salespeople. Currently Ni Komang Darmi lives with her husband and 2 children who is already in the workforce and enrolled in high school. Her kiosk sales is about $11 to $22 per day with $3.30 to $5.50 profit per day. With this earnings, Ni Komang Darmi supports her husband, Made Anggrawiana and her two children.

Translated from Indonesian by Kresna Hartandi, Kiva Volunteer



Ni Komang Darmi menekuni usaha warung sejak 15 tahun yang lalu. Barang yang dijual bermacam-macam mulai dari bahan makanan pokok , keperluan alat- alat sekolah dan alat- alat keperluan rumah tangga. Modal yang yang diperlukan memang tidak sedikit untuk melengkapi keperluan usaha warungnya. Semenjak bergabung dengan DINARI , Ni Komang Darmi mendapat pembinaan dan mendapat kepercayaan sehingga memperoleh pinjaman dana, sehingga dapat melengkapi keperluan usaha warungnya yang beberapa lalu belum terpenuhi. Ni Komang Darmi membuka warungnya pada pukul 06.00 wita dan ditutup pukul 21.00 wita. Selain menunggui warung, Ni Komang Darmi juga dapat mengerjakan pekerjaan dirumahnya sebab warung terletak didepan rumahnya.Untuk melengkapi warungnya Ni Komang Darmi setiap tiga hari sekali berbelanja di dipasar, selain itu juga ada beberapa barang yang selalu diantar oleh sales keliling. Saat ini komang Dami tinggal bersama suami dan kedua orang anaknya yang sudah bekerja dan sekolah pada tingkat atas. Total pendapatan yang diperoleh dalam sehari mencapi Rp.100.000,- sampai dengan Rp.200.000,- dengan keuntungan bersih yang diperolehRp.30.000,-sampai Rp.50.000,- dengan keuntungan inilah Ni Komang Darmi mencukupi keperluan sehari-harinya bersama dengan suaminya, Made Anggrawiana dan kedua anaknya.

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Journal entries for Ni Komang Darmi


Loan has been disbursed
 
Entrepreneur: Ni Komang Darmi
Location: Melaya, Bali, Indonesia

Thank you for your loan. It has been disbursed to Ni Komang Darmi by DINARI Foundation in Indonesia. We are excited to watch this business grow. Over the next 12 months, DINARI Foundation will be collecting repayments from this entrepreneur and posting progress updates on the Kiva website.


Posted by from Melaya, Bali, Indonesia
Dec 30, 2007
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Kiva Help Repayment Schedule for Ni Komang Darmi

  Expected Repayments Actual Repayments Comments
March 2008 $54.17 $55.00 Repayment Received
April 2008 $54.17 $55.00 Repayment Received
May 2008 $54.17 $55.00 Repayment Received
June 2008 $54.17 $55.00 Repayment Received
July 2008 $54.17 $55.00 Repayment Received
August 2008 $54.17 $55.00 Repayment Received
September 2008 $54.17 $55.00 Repayment Received
October 2008 $54.17 $55.00 Repayment Received
November 2008 $54.17 $55.00 Repayment Received
December 2008 $54.17 $47.00 Repayment Received
January 2009 $54.17 $53.83 Repayment Received
February 2009 $54.13 $54.17 Repayment Received