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Ni Ketut Sutiami
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Because of high living cost to pay for expenses of 2 school aged children, Ni Ketut Sutiami forced herself to open a retail stall in her home. She is doing this, since she wants a better family life from her increased income. Previously Ni Ketut Sutiami only works as a tentant farmer. Ni Ketut Sutiami sells vegetable, light food, bread and drinks. With an initial capital of Rp 1,000,000 (about US$110), Ni Ketut Sutiami buys her items and vegetables from her customers. Ni Ketut Sutiami goes to the market from 4:00 AM to buy her retail items needs in the Morning Market in Negara city. Ni Ketut Sutiami opens her retail stall from 7:00 AM to 6:00 PM. Each day profit could reach up to Rp50,000 (US$5.50). This profit is used to help her husband I Made Rina who works as a tenant farmer, to pay living expenses and education expenses for their 2 children. First child is in 9th Grade, and the second in 5th grade. Capital loaned from Dinari would be used to complete facilities in retail stall. Ni Ketut Sutiami hopes that with Dinari's capital her business would expand, moves forward, and their lifes needs fulfilled.

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

Karena biaya hidup yang cukup berat karena harus menanggung dua anak yang masih sekolah, Ni Ketut Sutiami memberanikan diri untuk membuka usaha warung dirumahnya. Hal ini dilakukannya, karea ia ingin kehidupan keluarganya lebih baik dari peningkatan pendapatannya. Sebelumnya Ni Ketut Sutiami hanya bekerja sebagai petani. Ni Ketut Sutiami menjual sayur - mayur , makanan ringan, roti dan minuman. Dengan modal awal Rp.1.000.000,- Ni Ketut Sutiami membeli barang dagangan dan sayur mayur dari langganannya. Ni Ketut Sutiami pergi kepasar pada pukul 04.00 pagi untuk membeli keperluan warungnya di Pasar Pagi di kota Negara. Ni Ketut Sutiami mulai membuka warungnya dari jam 07.00 pagi sampai jam 18.00 sore hari. Keuntungan yang diperoleh satu hari mencapai Rp.50.000,- perhari. Keuntungan ini dipakai untuk membantu suaminya I Made Rina yang bekerja sebagai petani untuk memenuhi kebutuhan hidupnya dan juga pendidikan kedua anaknya . Anak yang pertama duduk dikelas 3 SMA dan yang kedua duduk di kelas 5 SD.Modal yang dipinjamn dari Dinari digunakan untuk melengkapai persediaan di warungnya. Ni Ketut Sutiami berharap dengan modal yang didapat dari Dinari usahanya akan lebih maju dan berkembang, dan kebutuhan hidupnya terpenuhi.

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

  • $5,200
    Average annual income
  • 15
    View loans »
    Indonesia Loans Fundraising
  • $5,461,825
    Funds lent in using Kiva
  • 9,138.7
    Indonesia Rupiahs (IDR) = $1 USD

Success!! The loan was 100% repaid

A loan of $425 helped Ni Ketut Sutiami to add capital to complete facilities in retail stall

Menambah Modal usaha untuk melengkapi fasilitas warungnya.

100% repaid
Repayment Term
15 months (Additional Information)
Repayment Schedule
Nov 11, 2007
Oct 28, 2007
Currency Exchange Loss:
Dec 15, 2008