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Ni Komang
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Ni Komang D. has been operating a kiosk since 15 years ago. She sells various daily needs, from staple foods, school supplies and household goods. She needs quite a large fund to operate her kiosk. Since joining DINARI, Ni Komang D. obtained training and possible loan facilities to increase her inventory and offerings.

Ni Komang D. opens her kiosk at 6 am and closes at 9pm each day. Besides operating her kiosk, Ni Komang D. goes to the market to buy goods to be resold every three days. Sometimes she gets her goods from roaming salespeople. Currently Ni Komang D. lives with her husband and 2 children who is already in the workforce and enrolled in high school. Her kiosk sales is about $11 to $22 per day with $3.30 to $5.50 profit per day. With this earnings, Ni Komang D. supports her husband, Made Anggrawiana and her two children.

Translated from Indonesian by Kresna Hartandi, Kiva Volunteer



Ni Komang D. menekuni usaha warung sejak 15 tahun yang lalu. Barang yang dijual bermacam-macam mulai dari bahan makanan pokok , keperluan alat- alat sekolah dan alat- alat keperluan rumah tangga. Modal yang yang diperlukan memang tidak sedikit untuk melengkapi keperluan usaha warungnya. Semenjak bergabung dengan DINARI , Ni Komang D. mendapat pembinaan dan mendapat kepercayaan sehingga memperoleh pinjaman dana, sehingga dapat melengkapi keperluan usaha warungnya yang beberapa lalu belum terpenuhi. Ni Komang D. membuka warungnya pada pukul 06.00 wita dan ditutup pukul 21.00 wita. Selain menunggui warung, Ni Komang D. juga dapat mengerjakan pekerjaan dirumahnya sebab warung terletak didepan rumahnya.Untuk melengkapi warungnya Ni Komang D. setiap tiga hari sekali berbelanja di dipasar, selain itu juga ada beberapa barang yang selalu diantar oleh sales keliling. Saat ini komang Dami tinggal bersama suami dan kedua orang anaknya yang sudah bekerja dan sekolah pada tingkat atas. Total pendapatan yang diperoleh dalam sehari mencapi Rp.100.000,- sampai dengan Rp.200.000,- dengan keuntungan bersih yang diperolehRp.30.000,-sampai Rp.50.000,- dengan keuntungan inilah Ni Komang D. mencukupi keperluan sehari-harinya bersama dengan suaminya, Made Anggrawiana dan kedua anaknya.

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
  • 28
    View loans »
    Indonesia Loans Fundraising
  • $5,199,250
    Funds lent in using Kiva
  • 9,292.8
    Indonesia Rupiahs (IDR) = $1 USD

Success!! The loan was 100% repaid

A loan of $650 helped Ni Komang purchase additional Inventory.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Monthly
Disbursed:
Dec 29, 2007
Listed
Dec 15, 2007
Currency Exchange Loss:
Covered
Ended:
Jan 15, 2009