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Ni Luh Sekar
View original language description ↓
Living with her husband and 2 children, Ni Luh Sekar must work to supplement the family’s expenses. Her husband’s income as a skilled laborer is insufficient, as Ni Luh Sekar needs to expense Rp. 20.000 (USD2), - to buy daily essentials even before paying for her children’s education. With a funding of Rp. 1.000.000 (USD100), - Ni Luh Sekar started a general stall located in front of their home, selling daily essentials like: rice, sugar, detergent, soap and other light snacks. Daily, Ni Luh Sekar generate revenue of between Rp. 200.000 to Rp. 250.000 (USD20 to USD25), - with profit of Rp. 25.000 to 30.000 (USD2.50 to USD3),-
Ni Luh Sekar is personable and well recognized thus her business developed quickly. Furthermore with this additional funding from Dinari the goods she sells are more complete ranging from contents for the kitchen to the bathroom are available. Thus increasing her profit until Ni Luh Sekar is able to pay for her eldest child’s education, currently in SMP (equivalent to middle school).

Translated from Indonesian to English by Pheng Tan, Kiva volunteer.



Tinggal bersama suami dan dua anaknya Ni Luh Sekar harus bekerja extra untuk menghidupi keluarganya. Penghasilan suaminya sebagai seorang tukang dirasa kurang cukup untuk memenuhi kebutuhan sehari-hari., karena setiap harinya Niluh Sekar harus mengeluarkan biaya Rp. 20.000,- untuk biaya kebutuhan sehari-hari belum lagi untuk biaya sekolah anaknya .Dengan modal usaha Rp.1 000.000,-
Niluh Sekar mulai membuka usaha warung yang berlokasi di depan rumahnya . barang yang di jual pun mulai dari barang barang kebutuhan sehari- hari seperti : beras, gula, diterjen, sabun dan berbagai jenis makanan ringan . dalam satu hari Niluh sekar mendapat hasil penjualan berkisar Rp 200,000 S.d 250.000,- dengan keuntungan yang didapat sebesar Rp 25.000,- s.d 30.000,- .
Ni luh Sekar terkenal sangat baik dan ramah sehinga usaha warungnyapun berkembang cepat .Apalagi dengan mendapat tambahan modal dari Dinari jenis barang daganganNya menjadi lebih berpariasi dan lengkap dari isi dapur sampai kamar Mandi ada disini . dengan demikian keuntungan yang didapat juga semakin banyak sehingga niluh sekar mampu membiayai pendidikan anak sulungnya yang sekarang sudah duduk di bangku SMP .

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
  • 123
    View loans »
    Indonesia Loans Fundraising
  • $5,027,225
    Funds lent in using Kiva
  • 9,148.1
    Indonesia Rupiahs (IDR) = $1 USD

Success!! The loan was 100% repaid

A loan of $350 helped Ni Luh Sekar increase working capital (Menambah modal usaha).
100% repaid
Repayment Term
15 months (Additional Information)
Repayment Schedule
Monthly
Disbursed:
Dec 6, 2007
Listed
Nov 22, 2007
Currency Exchange Loss:
Covered
Ended:
Jan 15, 2009