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Ni Komang Rani
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Living in a city encourages Komang Rani to start the kiosk business in front of her house. She runs the business to support her husband who works a truck driver because her husband's income is not enough to cover the family's life expenses. With the initial capital of Rp. 1,000,000, Rani filled her kiosk with various kinds of merchandises such as food, drink, staples, snack, etc. Rani opens the kiosk in the morning from 6 am until 6 pm. Everyday, Rani goes to the market to buy the supplies at around 5 am as her house is quite near to the state market. Her profit is about Rp. 50,000 per day. She uses the profit to cover her daily expenses. As the price of staples is getting higher and higher nowadays, Rani feels that she needs to save some money for the future since her children are all married and live with their hussbands. She uses the loan from Dinari for adding her business capital so that she can offer more merchandise and she can expand the business.

Translated from Bahasa Indonesia by Kustini Lim, Kiva volunteer.



Hidup dikota membuat Komang Rani membuka usaha warung didepan rumahnya. Untuk membantu suaminya , Nengah Jasa, yang bekerja sebagai sopir truk ke Jawa . Karena Penghasilannya sebagai sopir tidak mencukupi untuk kebutuhan ekonominya. Maka Rani membantu dengan membuka warung di rumahnya.Dengan modal awal Rp.1.000.000,- Rani melengkapi isi warungnya dengan bermacam-macam barang dagangan seperti makanan, minuman,sembako ,snak,dan lain-lain. Rani membuka warungnya pada pagi hari jam 6 pagi sampai sore jam 6 sore. Setiap pagi Rani juga pergi ke pasar untuk membeli keperluan dagangannya,sekitar pukul 5 pagi,karena rumahnya dekat dengan pasar negara. Keuntungan yang diperoleh sebesar Rp.50.000,- perhari, Rani bisa mempergunakan untuk memenuhi kebutuhannya sehari-hari ,karena kebutuhan sembako harganya sangat mahal sekarang ini,maka Rani juga harus bisa menabung untuk masa depannya,karena anak-anaknya sudah semua menikah dan tinggal bersama suaminya. Pinjaman yang diperoleh dari Dinari dipakai untuk menambah modal usahanya agar dagangannya semakin banyak dan berkembang.

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
  • 49
    View loans »
    Indonesia Loans Fundraising
  • $4,591,375
    Funds lent in using Kiva
  • 9,249.3
    Indonesia Rupiahs (IDR) = $1 USD