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Johari
Johari (PK-10257) is a 49-year-old male living in the town of Melaya, Bali. He is married and has two school-aged children.

Johari owns and operates a business selling bamboo walls (made from the inner part of bamboo) and fences (made from the outer layer of bamboo) for housing to local community members. He has been engaged in this business for over thirteen years and earns approximately 500,000 IDR a month.

In 2008, Johari joined MUK to gain access to financial services to help improve his living situation and his ability to engage in business activities. He has successfully repaid a previous loan from MUK. This previous loan was used to purchase raw materials.

Johari is now requesting a new loan of 3,500,000 IDR which will again be used to purchase raw materials to make bamboo products. The loan will be his 2nd from MUK. He plans to use the additional revenue generated from the business to pay his children’s tuition fees and to save for their higher education. He hopes to expand his business, with his brother's help.


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.

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
  • 63
    View loans »
    Indonesia Loans Fundraising
  • $4,482,925
    Funds lent in using Kiva
  • 8,998.0
    Indonesia Rupiahs (IDR) = $1 USD