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Siti Maryam
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Siti Maryam's family has been living in Bali for five years. She lives with her husband and two children in a traditional woven-bambo walled, asbestos roofed and dirt floored house. The house is near the river bank, so they can take a bath and do laundry in the river. The house also serves as her business place. Together with her husband, she sells fish chips. Siti does the production and her husband sells the chips around the village. Their daily profit can go as high as 60,000 IDR (1USD~9,000 IDR). With a living cost of 30,000 per day they can still save a little. The loan will be used to increase the working capital. They receive an increase of orders during the month of Ramadan. Hence, the loan she receives this month can help her increase her inventory that eventually turns into additional profit.

Translated from Bahasa Indonesia by Arliadi Mahadi, Kiva Volunteer.



Keluarga Siti Maryam sudah hampir 5 tahun tinggal di Bali. Dia tinggal bersama suami dan dua orang anaknya di rumah kontrakkan. Rumah dengan dinding gedhek, atap asbes dan lantai tanah. Rumahnya dekat dengan sungai. Jadi mereka mandi dan mencuci baju di sungai. Rumahnya sekaligus tempat usahanya. Bersama suaminya dia berusaha jualan krupuk. Bu Siti bagian pembuatan, suaminya bagian pemasaran keliling. Keuntungan per hari mereka dapat mencapai Rp 60.000,00. Dengan biaya hidup Rp 30.000,00 per hari, mereka masih bisa menabung. Pinjaman yang dia dapatkan akan digunakan untuk menambah modal usaha. Mereka akan menerima banyak pesanan pada saat bulan puasa. Artinya, modal yang diterimanya bulan ini akan dapat menambah persediaan krupuk yang akan dijualnya. Hal ini tentunya akan menambah keuntungannya.

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
  • 99
    View loans »
    Indonesia Loans Fundraising
  • $5,042,900
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD