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Muhamad Fadly
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Muhamad Fadly has a business to sell toys/candies with gifts since 2002, with 3 helpers. The calculation was for each candy package with gifts he needed a capital of Rp70,000 (about US$7.70), and a profit could reach up to Rp70,000 too. Given that the whole candy package was sold clear. Now fadly has 3 helpers that make a round to sell these sales items to food stall customers, to be picked up at an agreed time, about 1-2 weeks. Also to deliver new sales items. The places they deliver are larger cities like Denpasar, Tabanan, Giayanar and Singaraja. Each person including Fadly will bring 10 package of candies using motorbikes. Gasoline expense was about Rp25,000 (about US3)/person/day. Since he sees an opportunity Fadly wishes to increase the number of helpers. Therefore he needed more capital.He also expect increase the number of package of these candies with gifts. The Rp5,500,000 (about $625) he expects to get from DINARI will be used to increase 2 additional helper.

Translated from Bahasa Indonesia by Gwan Liong Ang, Kiva volunteer.


Muhamad Fadly mempunyai usaha jual mainan/permen berhadiah yang sudah ditekuninya sejak tahun 2002. Dengan jumlah anak buah 3 orang. Perhitungannya, untuk 1 pak permen berhadiah modal yang diperlukan Rp 70.000,00 dan keuntungannya yang akan dicapai sebesar Rp 70.000,00. Hal ini tentunya dengan catatan satu pak permen tersebut terjual habis. Sekarang ini Fadly memiliki 3 anak buah yang berkeliling menjajakan barang dagangan tersebut. Mereka menitipkan di warung – warung langganan mereka untuk diambil pada waktu yang terlah disepakati, 1 – 2 minggu. Sekaligus menitipkan lagi barang – barang dagangan yang baru. Tempat yang mereka singgahi mulai dari Denpasar, Tabanan, Giayanar dan Singaraja. Masing masing orang – termasuk Fadly - membawa 10 pak permen dengan mengendarai sepeda motor. Biaya bensin Rp 25.000,00/orang untuk perhari. Karena melihat peluang usaha ini bagus, Fadly ingin menambah jumlah anak buah. Hal itu berarti dibutuhkan modal yang lebih banyak. Selain itu jumlah pak permen berhadiah yang dibawa oleh masing – masing karyawannya akan bertambah. Modal Rp 5.500.000,00 yang diperoleh dari DINARI digunakan untuk menambah 2 orang anak buah lagi.

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
  • 59
    View loans »
    Indonesia Loans Fundraising
  • $4,684,925
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $625 helped Muhamad Fadly to add two helpers

Menambah 2 anak buah lagi.

100% repaid
Repayment Term
15 months (Additional Information)
Repayment Schedule
Monthly
Disbursed:
Oct 9, 2007
Listed
Sep 24, 2007
Currency Exchange Loss:
N/A
Ended:
Oct 29, 2008