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Ni Komang Rani
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Ni Komang Rani owns a small food kiosk in her front yard. The earnings from the kiosk is used to supplement her husband's income. Her husband, Nengah Jasa, works as a truck driver in the Javanese route. Since her husband's income is barely enough to cover daily living expenses, Rani started a kiosk with starting capital of $110. Rani stocks her kiosk with merchandises like snacks, foods, drinks and others. Rani opens her kiosk at 6 am and closes at 6pm. Each morning, Rani goes tot he market to purchase goods to be sold. She goes to the market at 5 am every day. The market is not too far from her home. She earns about $55 each day. Rani saves her earnings for later days. All her children has been married. She will use the loan from Dinari to purchase more goods varieties to be sold and expand her offering.

Translated from Bahasa Indonesia by Kresna Hartandi, 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

  • $5,200
    Average annual income
  • 84
    View loans »
    Indonesia Loans Fundraising
  • $5,134,025
    Funds lent in using Kiva
  • 9,258.7
    Indonesia Rupiahs (IDR) = $1 USD