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Ratna Sari Group
In this Group: Putu Ariani, Gusti Kadek Sari, Dewa Komang Ariani, Putu Ariani, Gustiayu Retiniwati, Ni Ketut Murni, Gusti Ayu Kade Sutami, Jero Made Arsa, Ayu Kade Gandri, Ayu Komang Widiasih, Dewa Ayu Komang Artini, Dewa Ayu Komang Suarmi, Ni Komang Sutari, Jero Ketut Susun, Desak Komang Manik*
* not pictured
Ni Putu Ariani - (-) is a 29-year-old woman living in the town of Banyubiru. Ni Putu Ariani is the group leader of a 15-member group loan offered by DINARI. While each member of the group receives an individual loan, they all are responsible for paying back the loans of their fellow group members if someone is delinquent or defaults. The official name of this borrowing group is Ratna Sari (DNR.M-0590).

Ni Putu Ariani is married and has 1 infant child. To make a living, Ni Putu Ariani owns and operates a business venture in the agriculture sector, raising livestock. The main source of income for the business comes from raising pigs for sale. Ni Putu Ariani has been engaged in this business for over 3 years and earns approximately 200.000 IDR a month from these activities.

In 2008, Ni Putu Ariani joined DINARI to gain access to financial services to help improve her living situation and ability to engage in business activities. Ni Putu Ariani is now requesting a new loan of 1.100.000 IDR which will be used to purchase baby livestock to raise and sell in future. This will be the 3rd loan taken out by the borrower from DINARI. Ni Putu Ariani plans to use the additional revenue generated from the business to financially support immediate members of her family. Ni Putu Ariana's husband is pictured in the above photograph.


The mission of DINARI is to strive for the preservation of the environment, to empower the poor, and to provide socio-economic development opportunities to small business owners.

*Note: To maximize efficiency and reduce costs, this loan was posted using a template to automate the translation by Kiva. Given that manual translation of entrepreneur profiles is costly, Kiva created this template for our Field Partner to allow them to continue to post loans in Bahasa while providing quality and accurate information to Kiva lenders.

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.

This is a Group Loan

In a group loan, each member of the group receives an individual loan but is part of a larger group of individuals. The group is there to provide support to the members and to provide a system of peer pressure, but groups may or may not be formally bound by a group guarantee. In cases where there is a group guarantee, members of the group are responsible for paying back the loans of their fellow group members in the case of delinquency or default.

Kiva's Field Partners typically feature one borrower from a group. The loan description, sector, and other attributes for a group loan profile are determined by the featured borrower's loan. The other members of the group are not required to use their loans for the same purpose.

About Indonesia

  • $5,200
    Average annual income
  • 30
    View loans »
    Indonesia Loans Fundraising
  • $5,319,675
    Funds lent in using Kiva
  • 10,035.0
    Indonesia Rupiahs (IDR) = $1 USD

Success!! The loan was 100% repaid

A portion of Ratna Sari Group's $1,650 loan helped a member to purchase baby livestock to raise and sell in future.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
At end of term
Aug 26, 2009
Aug 30, 2009
Currency Exchange Loss:
Apr 15, 2010