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Jati Ayu Group
In this Group: Ni Nengah, Ni Wayan, Ni Nyoman, Ni Ketut, Ni Nyoman, Ni Ketut, Ni Ketut, Ni Nengah, Ni Ketut, Ni Wayan, Ni Ketut
For housewives in Bali, especially in rural areas, it has become normal for women to play an active role in supporting the needs of the family in addition to what the head of the household does. In addition to farming, another activity that helps to make ends meet from day to day is raising livestock, especially pigs.

There are several obstacles encountered in developing this kind of business, including limited knowledge of business management as well as limited access to capital. To overcome this problem these borrowers decided to form one group so it's easier to communicate between members of the group and also easier to get funding.

Ni Nengah, 28 years old, is head of the Jati Ayu group for raising pigs. To increase its funds, Ni Nengah invited group members to participate in the loan program for small businesses from MUK. The loan will be used to purchase food supplies and also a sow. Within six months they will have swine babies ready to sell. The profits will be used to meet the needs of families, especially the children's education and also needed family meals.

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
  • 30
    View loans »
    Indonesia Loans Fundraising
  • $5,306,475
    Funds lent in using Kiva
  • 9,474.0
    Indonesia Rupiahs (IDR) = $1 USD

Success!! The loan was 100% repaid

A portion of Jati Ayu Group's $2,325 loan helped a member to purchase food supplies and also a sow.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
At end of term
Jul 16, 2012
Jul 20, 2012
Currency Exchange Loss:
Feb 15, 2013