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Kertha Bakti Group
In this Group: Ni Luh, Ni Made, Ni Wayan, Ni Wayan, Ni Ketut, Ni Ketut, Ni Wayan, Ni Ketut, Ni Wayan, Ni Luh, Ni Luh, Ni Nengah, Ni Nengah*, Ni Luh, Ni Komang
* not pictured
Ni Wayan Suwitri is a 40-year-old female living in the town of Melaya - Bali. Ni Wayan Suwitri is the group treasurer of a 15-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 Kertha Bakti (PK-10332).

Ni Wayan Suwitri is married and has 1 adult son. Her son now works at a hotel in Denpasar. Ni Wayan Suwitri owns & operates a business venture in the agriculture sector raising livestock, primarily pigs. She raises the pigs for two to three months and then sells them to a buyer; the pigs are used for pig barbecue. When she sells a pig, the price is approximately 200,000 - 250,000 IDR above her initial cost for the piglet (excluding food costs). Ni Wayan Suwitri has been engaged in this business for over 20 years and earns approximately 100,000 IDR a month from these activities. In addition to this pig breeding business, Ni Wayan Suwitri also operates a small kiosk where she sells food, snacks, and other items for daily use. She has a dream to build a larger kiosk, perhaps funded in part by the profits from her pig business.

In 2010, Ni Wayan Suwitri joined MUK to gain access to financial services to help improve her living situation and ability to engage in business activities. Ni Wayan Suwitri has successfully repaid a previous loan of 1,500,000 IDR from MUK. This previous loan was used to purchase baby livestock to raise & sell. She is now requesting a new loan of 1,500,000 IDR which will be used to purchase baby livestock to raise & sell in the future. This will be the 2nd loan taken out by the borrower from MUK.

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.

Ni Wayan Suwitri 0 (0) merupakan 40 tahun wanita. Dia (perempuan) tinggal di kota Melaya - Bali. Ni Wayan Suwitri adalah pemimpin kelompok sebuah kelompok peminjam yang terdiri atas 15 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 Kertha Bakti (PK-10332).

Meskipun bukan satu-satunya sarana untuk menghasilkan pendapatan, sumber utama penghasilan bisnis tersebut terutama berasal dari beternak babi untuk dijual. Ni Wayan Suwitri sudah menjalankan bisnis ini selama lebih dari 20 tahun. Dari kegiatan-kegiatan ini, Ni Wayan Suwitri menghasilkan sekitar 0,100 IDR. Dalam 2010, Ni Wayan Suwitri bergabung MUK untuk mendapatkan akses ke layanan keuangan untuk membantu meningkatkan -nya kondisi kehidupan dan kemampuan untuk menjalankan kegiatan bisnis. Ni Wayan Suwitri telah berhasil melunasi pinjaman sebelumnya sebesar 1.500.000 IDR dari MUK. Pinjaman sebelumnya ini digunakan untuk membeli bibit ternak untuk dibesarkan & dijual di masa mendatang. Dia (perempuan) sekarang meminta pinjaman baru sebesar 1.500.000 IDR.

Pinjaman ini akan menjadi 2nd 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.


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
  • 15
    View loans »
    Indonesia Loans Fundraising
  • $5,461,825
    Funds lent in using Kiva
  • 8,925.0
    Indonesia Rupiahs (IDR) = $1 USD

Success!! The loan was 100% repaid

A portion of Kertha Bakti Group's $2,525 loan helped a member to purchase baby livestock to raise & sell in future.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
At end of term
Oct 11, 2010
Oct 12, 2010
Currency Exchange Loss:
May 15, 2011