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Heri
Heri P. is a jovial and enterprising 28-year-old man. He is married with 2 children. He lives in the Kuta area of Bali with his extended family, about 8 of whom work for him making wristbands out of leather scraps. He sells these to local and international wholesalers. Heri’s wristbands are sold in Bali at big supermarkets like Matahari and Centro.



Heri wants to borrow 1m IDR (about USD 100) to buy raw materials. This is his 3rd loan with Kiva. He has always made repayments on time or even ahead of schedule. Heri’s clients pay him only when he delivers his finished goods. For that reason, loans are very important to him because they allow him to buy leather scraps to make wristbands for which he has already received orders.



Eventually, Heri would like to build his credit history to the point where he can borrow 20m IDR (about USD 2000), which is enough to buy 1 ton (1000 kg) of leather scraps. When he can afford to raise that amount of capital, he will also bring in more family members from Java to help him produce more wristbands faster. He is confident that he has the client base to support a higher rate of production, especially during the busy tourist season.

Additional Information

About Koperasi Mitra Usaha Kecil (MUK)

This loan is serviced by Koperasi Mitra Usaha Kecil (MUK), a microfinance cooperative headquartered in West Bali, Indonesia. MUK’s mission is to provide chronically poor people in Bali with opportunities to improve their lives, while raising social awareness of economic and environmental issues.
Most MUK clients live in rural settings on less than $1.25 per day. MUK’s financial products are targeted to clients’ productive activities including small businesses, farming, and livestock rearing. MUK supports clients with training in household budgeting, livestock rearing, and small business management.
MUK provides services to clients of all races and religions. For more information about MUK, please visit its partner page. Also, consider joining MUK’s Kiva lending team, Friends of Mitra Usaha Kecil.

About Indonesia

  • $4,458
    Average annual income
  • 49
    View loans »
    Indonesia Loans Fundraising
  • $4,591,375
    Funds lent in using Kiva
  • 10,111.1
    Indonesia Rupiahs (IDR) = $1 USD