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Ni Ketut Armawati
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After Ni Ketut Armawati was married to I Made Ariasa, she started running a small kiosk in front of her house. She chose the business because she was already used to selling merchandises, just like her mother. She sells various snacks, coconut ice, coffee, etc. Everyday she opens the kiosk at 7 am and closes at 6 pm. Despite a lot of other kiosks near her house, it doesn't decrease her income. Her daily gross income is Rp 500,000 and her net income is up to Rp 60,000 per day. Before getting a loan from Dinari, her kiosk business was not so good as she only offered a few merchandises. However, she has more merchandes and customers nowadays. The loan that she gets is used as the business capital for adding more varieties of merchandises.

Translated from Bahasa Indonesia by Kustini Lim, Kiva volunteer.



Setelah menikah dengan I Made Ariasa, suaminya, Ni Ketut Armawati mulai membuka warung kecil di depan rumahnya.Usaha ini dipilih karena dari kecil Ni Ketut Armawati sudah terbiasa untuk berjualan mewarisi keahlian ibunya. .Barang yang dujual aneka macam makanan kecil , snack, es kelapa muda, kopi dll.Setiap hari Ni Ketut Armawati membuka warung pada pukul 7.00 pagi dan tutup pada pukul 06.00 sore. Walaupun banyak ada warung disebelah kanan dan kiri rumahnya, tidak mengurangi penghasilan yang didapatnya. Setiap hari penghasilan kotor yang didapat dari hasil warungnya Rp 500,000,-, dan penghasilan bersihnya mencapai Rp 60,000,- perhari. Sebelum mendapat pinjaman modal dari Dinari usaha warung Ni Kt Armawati sepi karena dagangannya sedikit tetapi sekarang sudah banyak dan pelanggangnya pun bertambah. Dengan modal yang didapat betul-betul dipakai untuk modal usahanya menambah dan melengkapi jenis barang dagangannya.

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
  • $4,708,325
    Funds lent in using Kiva
  • 9,258.7
    Indonesia Rupiahs (IDR) = $1 USD