Kasiono -

Status: Paid Back

$125	Loan Request Disbursed : May 24, 2008 Listed: May 10, 2008 Funded: May 10, 2008
$125	Paid Back Ended: Oct 31, 2008

About the Field Partner

Koperasi Mitra Usaha Kecil (MUK) administers this loan. Learn more

Field Partner:

Koperasi Mitra Usaha Kecil (MUK)

Field Partner Risk Rating:

(Learn more)

Fundraising Status:

Active

Time on Kiva:

29 months

Kiva Entrepreneurs:

1490

Total Loans:

$408,150

Interest & Fees are Charged:

Yes (Learn more)

Portfolio Yield:	22%
Profitability (Return on Assets):	-3%
Average Loan Size (% of Per Capita Income):	3%

Delinquency Rate:

0.00%

Default Rate:

0.00%

Currency Exchange Loss Rate:

0.00%

About the Country

Country:	Indonesia
Avg Annual Income:	$4,458
Currency:	Indonesia Rupiahs (IDR)
Exchange Rate:	9,215.6423 IDR = 1 USD

About the Loan

Location:	Badung, Indonesia	Repayment Term:	7 months (more info)
Activity:	Waste Management	Repayment Schedule:	Monthly
Loan Use:	To add more capital	Currency Exchange Loss:	Covered
		Default Protection:	Covered

Kasiono has worked as a second-hand goods collector for quite some time. For almost 10 years, Kasiono has to spend his time to look for second-hand goods and also to work as a street sweeper. In his daily life, Kasiono wakes up at 5 am to sweep the street while collecting sellable second-hand goods. After that, he looks for the goods in other places using his motorcycle to Kuta and Suwung Kangin area. In the evening, he sells the goods and when he has spare time, he helps his neighbours who needs his help. Currently, he lives together with his wife and children in Tuban Bali in a very humble rented house.

Translated from Bahasa Indonesia by Kustini Lim, Kiva volunteer.

Pekerjaan sebagai pencari barang rongsokan sudah lama ditekuni oleh Kasiono. Selama hampir 10 tahun, Kasiono harus membagi waktunya mencari barang bekas dan juga sebagai tukang sapu jalan. Sehari-harinya, Kasiono harus bangun jam 5 untuk membersihkan jalan sambil tentunya mengumpulkan barang bekas yang masih bisa dijual. Setelah selesai, dengan menggunakan sepeda motornya, Kasiono langsung mencari barang rongsokan ditempat lain samapai daerah Kuta dan Suwung Kangin. Setelah itu sore harinya dia menjual barang hasil pencarinnya dan kalo masih ada waktu dia biasanya membantu tetangga sekitarnya yang membutuhkan bantuan. Saat ini kasiono tinggal bersama istri dan anaknya di Tuban Bali disebuah rumah sewa yang sangat sederhana.

Lenders to this entrepreneur

Trevor
Pescadero, CA
United States

Cloudia
Adelaide, SA
Australia

Christine
Langley, WA
United States

pj
Arnhem, Gelderland
Netherlands

Hekoyama
Tokyo,
Japan

Journal entries for Kasiono -

Loan has been disbursed Entrepreneur: Kasiono - Location: Badung, Indonesia Thank you for your loan. It has been disbursed to Kasiono - by DINARI Foundation in Indonesia. We are excited to watch this business grow. Over the next 5 months, DINARI Foundation will be collecting repayments from this entrepreneur and posting progress updates on the Kiva website.
Posted by Ferdinand Paratu from Badung, Indonesia May 15, 2008
Comment on this entry

It is much easier now...Thanks for the Loan Entrepreneur: Kasiono - Location: Badung, Indonesia Pekerjaan Kasiono sebagai sebagai pemulung memaksa dia untuk harus berkeliling setiap hari untuk mencari barang bekas. Tetapi untungnya dia mendapat pinjaman dari KIVA melalui DINARI. Sekarang ini dia tidak harus mencari lagi, tetapi sudah bisa membeli barang bekas dari rumah ke rumah Hal ini sangat membantu dalam meningkatkan penghasilannya. Kalo sebelum mendapatkan pinjaman, penghasilan kotornya bisa mencapai 100.000, tetapi sekarang sudah naik menadi 175.000 per hari. Modal dari KIVA juga dipakai untuk pendidikan anaknya dan menambah alat usaha. Keuntungan ada yang ditabung, ada juga yang dipakai sebagai modal lagi. Keinginan untuk mengembangkan usaha menjadi lebih besar, dengan demikian suatu saat nanti dia bisa memenuhi keinginannya untuk memiliki rumah sendiri. Semoga..
Posted by Ferdinand Paratu from Badung, Indonesia Aug 5, 2008
Comments (1)

Repayment Schedule for Kasiono -

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	Expected Repayments	Actual Repayments	Comments
August 2008	$25.00	$25.00	Repayment Received
September 2008	$25.00	$25.00	Repayment Received
October 2008	$25.00	$25.00	Repayment Received
November 2008	$25.00	$25.00	Repayment Received
December 2008	$25.00	$25.00	Repayment Received