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Sari Amertha 1 Group
In this Group: Ni Made, Ni Made , Ni Komang, Ni Ketut
Ni Made Y. (0) is a 42-year-old female living in the town of Melaya, Bali. Ni Made is the group leader of a four-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 Sari Amertha 1 (MUK-0016).

Ni Made 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 a year and earns approximately 200,000 IDR a month.

In 2010, Ni Made 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 loan of 2,500,000 IDR which will be used to purchase piglets to raise and sell. The loan will be her first from MUK.

Ni Made 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.

Note to Kiva Lenders:
This group uses a community lending model (commonly referred to as Village Banking) that is very common throughout Asia. In this model, a select number of group representatives will take out a large loan on behalf of their entire group (often an entire village). They will then distribute and manage the loan and collect repayments for the lender.

This is a common and efficient practice in the region, but it makes reporting on Kiva somewhat unusual. Unlike most other loans, Kiva’s partner, MUK, will be in contact primarily with the group leadership team who in turn will be overseeing the end borrowers. As such, journal updates likely will reflect the performance of the lending group rather than the individual end borrowers.

To learn more about Village Banking on Wikipedia, please click here.

Ni Made Y. (0) merupakan 42 tahun wanita. Dia (perempuan) tinggal di kota Melaya - Bali. Ni Made adalah pemimpin kelompok sebuah kelompok peminjam yang terdiri atas 4 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 Sari Amertha 1 (MUK-0016).

Meskipun bukan satu-satunya sarana untuk menghasilkan pendapatan, sumber utama penghasilan bisnis tersebut terutama berasal dari beternak babi untuk dijual. Ni Made sudah menjalankan bisnis ini selama lebih dari 1 tahun. Dari kegiatan-kegiatan ini, Ni Made menghasilkan sekitar 200,000 IDR. Dalam 2010, Ni Made bergabung MUK untuk mendapatkan akses ke layanan keuangan untuk membantu meningkatkan -nya kondisi kehidupan dan kemampuan untuk menjalankan kegiatan bisnis. Ni Made meminta pinjaman untuk pertama kalinya dari MUK. Dia (perempuan) sekarang meminta pinjaman baru sebesar 2,500,000 IDR.

Pinjaman ini akan menjadi 1st 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.

Pesan untuk Peminjam Kiva: Grup ini memakai model pinjaman komunitas/""community lending"" (biasanya dijuluk Bank Desa/""Village Banking"") yang populer di Asia. Di model ini, sejumlah representatif dari grup akan meminjam uang sejumlah lebih besar untuk seluruh grup (kadang-kadang seluruh desa). Representatif ini akan distribusi dan mengendalikan pinjaman, dan mengkoleksi pembayaran untuk peminjam akhir. Ini adalah praktek umum dan efisien di daerah ini, tapi merumitkan cara lapor untuk Kiva. Tidak serupa pinjaman lain, partner Kiva, MUK, akan menjadi kontak utama dengan tim kepemimpinan grup, yang sebaliknya menjadi kontak dengan peminjam akhir. Demikian, jurnal yang ditulis akan merefleksikan hasilnya tim kepemimpinan, bukannya peminjam-peminjam akhir.

Untuk belajari lebih banyak tentang Village Banking di Wikipedia, mohon kunjungi website ini:

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
  • 20
    View loans »
    Indonesia Loans Fundraising
  • $5,461,825
    Funds lent in using Kiva
  • 9,020.0
    Indonesia Rupiahs (IDR) = $1 USD

Success!! The loan was 100% repaid

A portion of Sari Amertha 1 Group's $1,125 loan helped a member to purchase piglets to raise and sell.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
At end of term
Apr 13, 2010
Apr 13, 2010
Currency Exchange Loss:
May 15, 2011