Ni Ketut Sukepen -

Status: Paid Back

$550
Loan Request
Disbursed : Mar 23, 2008
Listed: Mar 9, 2008
Funded: Mar 9, 2008
$550
Paid Back
Ended: Aug 15, 2009

About the Country

Country:Indonesia
Avg Annual Income:$4,458
Currency:Indonesia Rupiahs (IDR)
Exchange Rate:9,159.6943 IDR = 1 USD


About the Loan

Location: Melaya, Bali, Indonesia   Repayment Term: 14 months
(more info)
Activity: Religious Articles   Repayment Schedule: Monthly
Loan Use: To buy raw material   Currency Exchange Loss: Covered
      Default Protection: Covered
The skills to craft Canang Sari and Banten (Hindu religious offering/articles) have been passed down from Ni Ketut Sukepen’s parents. Besides crafting them for her own use, she also provide the offering for some great Hindu ceremony, such as Odalan (Great ceremony to show gratitude to God), Otonan (baby birth family ceremony), and Ngaben (burial ceremony with means of fire). For those ceremony the production cost is high. Ni Ketut Sukepen even has to add worker to help her meeting the time whom she pays per diem. Through her village organization, she receives loan from Dinari foundation. She uses the loan to buy raw material. Almost everyday she buys variety of flowers and coconut leaves in the market. The daily cost of crafting Canang Sari is Rp. 50.000 (US$5) and get net income for Rp. 20.000 (US$2). From the business Ni Ketut Sukepen can help her husband, komang Tersen, who works as construction worker.

Translated from Indonesian by Iman Persada, Kiva Volunteer.

Ketrampilan membuat Canang Sari dan Banten ( sarana persembahyangan umat Hindu ) sudah diperoleh dari orang tuanya yang juga adalah seorang penjual Canang Sari. Selain membuat Canang Sari untuk sarana sembahyangan setiap hari, Ni Ketut Sukepen membuat dan melayani untuk sarana sembahyangan besar seperti Odalan ( upacara adat skala besar untuk bersyukur kepada Tuhan ), Otonan ( upacara keluarga untuk menyambut kelahiran seorang bayi ) dan Ngaben ( upacara bakar mayat ). Untuk persembahyangan skala besar biasanya memerlukan biaya cukup banyak. Bahkan untuk mempercepat waktu pembuatan, Ni Ketut Sukepen harus menambah beberapa orang untuk membantu pekerjaannya agar selesai tepat waktu dan tenaga kerja ini dibayar secara harian.



Melalui oraganisasi yang ada didesanya, Ni Ketut Sukepen mendapat modal pinjaman dari Yayasan Dinari. Modal ini sangat dibutuhkan untuk menunjang usahanya. Modal inidipergunakan untuk memenuhi dan melengkapi bahan baku. Hampir setiap hari Ni Ketut Sukepen membeli aneka macam bunga, janur di pasar untuk keperluan usahanya. Pengeluaran untuk usaha Canang Sari dalam satu hari mencapai Rp.50.000,- dan memperoleh pendapatan bersih sekitar Rp. 20.000,- .dari usaha inilah Ni Ketut Sukepen dapat membantu menambah pendapatan suaminya, Komang Tersen, yang berprofesi sebagai tukang bangunan.


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Journal entries for Ni Ketut Sukepen -


Loan has been disbursed
 
Entrepreneur: Ni Ketut Sukepen -
Location: Melaya, Bali, Indonesia

Thank you for your loan. It has been disbursed to Ni Ketut Sukepen - by DINARI Foundation in Indonesia. We are excited to watch this business grow. Over the next 12 months, DINARI Foundation will be collecting repayments from this entrepreneur and posting progress updates on the Kiva website.


Posted by from Melaya, Bali, Indonesia
Mar 23, 2008
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be succes
 
Entrepreneur: Ni Ketut Sukepen -
Location: Melaya, Bali, Indonesia

Ni Ketut Sukepen really greatfull when she received the loan. The loan really help her to improved her bussines. Now her bussines much better than before and she had more customers. She already finished repaid her loan and she wish to get another loan when she need it again next time. She said thank you for all the Lenders, Kiva and Dinari for supporting her bussines.


Posted by Zeruya Lesmana from Melaya, Bali, Indonesia
Mar 15, 2009
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Loan Accidentally Defaulted by Kiva
 
Entrepreneur: Ni Ketut Sukepen -
Location: Melaya, Bali, Indonesia

This loan was erroneously defaulted by Kiva's system. The MFI has confirmed that the client is still in good standing & repaying back their loan.


Posted by Darren Miao, Kiva Staff, from San Francisco, United States
Aug 10, 2009
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Kiva Help Repayment Schedule for Ni Ketut Sukepen -

  Expected Repayments Actual Repayments Comments
June 2008 $45.83 $46.00 Repayment Received
July 2008 $45.83 $46.00 Repayment Received
August 2008 $45.83 $46.00 Repayment Received
September 2008 $45.83 $46.00 Repayment Received
October 2008 $45.83 $46.00 Repayment Received
November 2008 $45.83 $46.00 Repayment Received
December 2008 $45.83 $45.00 Repayment Received
January 2009 $45.83 $45.67 Repayment Received
February 2009 $45.83 $45.83 Repayment Received
March 2009 $45.83 $45.83 Repayment Received
April 2009 $45.83 $0.00 Repayment Received
May 2009 $45.87 $0.00 Repayment Received
September 2009 $0.00 $91.67