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Ni Nengah Sumadi
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Resilient is a good title for Ni Nengah Sumadi, who experienced a loss at her first business loan because 4 of her pigs were infected by some diseases that even killed 1 of the pigs. This misfortune did not kill her spirit to persevere in expanding her business. From the 3 pigs that she had, she could only sell them for $280, which only brought her to a break even point because she spent $25 to buy each pig, and paid $50 for the feed and medicines.

Ni Nengah Sumadi hopes that this second loan can yield a better result. She is determined to learn from her first experience in order to avoid certain pitfalls in her second endeavor in the pig farming business.



Translated from Bahasa Indonesia by Joan, Kiva volunteer.



Tekun dan pantang menyerah, julukan ini cocok di berikan kepada Ni Nengah Sumadi, meski mengalami kerugian pada pinjaman tahap pertama karena 4 ekor ternak babi peliharaannya terserang penyakit, bahkan satu ekor mengalami kematian tak menyurutkan semangatnya untuk tetap bertahan dan kembali mengembangkan usahanya. Dari 3 ekor ternak babi yang tersisa , hanya laku di jual Rp. 2.800.000.- itu berarti hanya kembali modal karena untuk pembelian bibit saja modal yang di keluarkan Rp. 250.000.- ekor sedangkan untuk biaya pakan dan obat mencapai Rp. 500.000.- ekor. Ni Nengah Sumadi sangat berharap pinjaman kedua ini bisa mendapat hasil yang lebih baik dan dia menjadikan pengalaman ini sebagai pelajaran sehingga tak terulang lagi.

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
  • 63
    View loans »
    Indonesia Loans Fundraising
  • $4,708,325
    Funds lent in using Kiva
  • 9,407.7
    Indonesia Rupiahs (IDR) = $1 USD