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Ratna Sari Group
In this Group: Ni Putu, Ida Ayu Komang, Adelina, I Gusti Ayu Ketut, Ni Ketut, Gusti Kade, Ida Ayu Komang, I Gusti Ayu Kade, Jero Made, Ayu Kade , Ayu Komang, Ida Ayu Komang, Jero Komang, Jero Ketut, Desak Komang
Ni Putu A. (0) is a 34-year-old female living in the town of Banyubiru. Ni Putu is the group leader of a fifteen-member group loan offered by MUK. 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 S. (MUK-0005).

Ni Putu is married and has two school-aged children. She owns and operates a business raising pigs for sale. She has been engaged in this business for over three years and earns approximately 150,000 IDR a month.

In 2008, Ni Putu joined MUK to gain access to financial services to help improve her living situation and her ability to engage in business activities. She is now requesting a new loan of 1,400,000 IDR which will be used to purchase pig feed and other supplies. The loan will be her 2nd from MUK.

Ni Putu plans to use the additional revenue generated from the business to financially support immediate members of her family.


About MUK:
The mission of Koperasi Mitra Usaha Kecil (MUK) is to assist small businesses in Bali by providing training, business consultation and loans thereby helping the owners and their families improve their everyday lives.


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Ni Putu A. (0) merupakan 34 tahun wanita. Dia (perempuan) tinggal di kota Banyubiru. Ni Putu adalah pemimpin kelompok sebuah kelompok peminjam yang terdiri atas 15 anggota. Meskipun setiap anggota kelompok menerima pinjaman perorangan, mereka semua bertanggung jawab untuk mengembalikan pinjaman rekan anggota kelompok mereka jika ada yang menunggak atau gagal membayar. Nama resmi kelompok peminjam ini adalah RATNA S. (MUK-0005).

Meskipun bukan satu-satunya sarana untuk menghasilkan pendapatan, sumber utama penghasilan bisnis tersebut terutama berasal dari beternak babi untuk dijual. Ni Putu sudah menjalankan bisnis ini selama lebih dari 3 tahun. Dari kegiatan-kegiatan ini, Ni Putu menghasilkan sekitar 150,000 IDR. Dalam 2008, Ni Putu bergabung MUK untuk mendapatkan akses ke layanan keuangan untuk membantu meningkatkan -nya kondisi kehidupan dan kemampuan untuk menjalankan kegiatan bisnis. 0 Dia (perempuan) sekarang meminta pinjaman baru sebesar 1,400,000 IDR.

Pinjaman ini akan menjadi 2nd pinjaman yang diambil oleh peminjam dari MUK.

Tentang MUK:
Misi Koperasi Mitra Usaha Kecil (MUK) adalah untuk membantu usaha kecil di Bali dengan memberikan perlatihan, konsultasi bisnis, dan pinjaman uang, dengan demikian membantu pemilik usaha dan keluarga mereka memperbaiki hidup sehari-hari.

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
  • 25
    View loans »
    Indonesia Loans Fundraising
  • $5,203,350
    Funds lent in using Kiva
  • 9,292.5
    Indonesia Rupiahs (IDR) = $1 USD

Success!! The loan was 100% repaid

A portion of Ratna Sari Group's $2,175 loan helped a member to purchase pig feed and other supplies.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
At end of term
Pre-Disbursed:
Feb 19, 2010
Listed
Feb 24, 2010
Currency Exchange Loss:
Possible
Ended:
Sep 15, 2010