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Saeful
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Saeful, his wife and their child live in a rented room. He pays IDR 150 thousand per month (around USD 19/ month) for the rented room. Saeful sells fried chicken for living. He sells the fried chicken in his push cart at Abianbase street in Denpasar Bali. He goes to Abianbase market everyday to buy ingredients for his fried chicken. He got the loan from Dinari in the past and he had alrady paid the loan in full. He is now applying for another loan so he can expand his business.


The revenue that he gets is used to pay the rented room and also to meet his family's daily needs. He also saves some portion of his money for his child's education fund.

Translated from Indonesian by Antonius Gunadi, Kiva volunteer.



Kegiatan sehari-hari Saeful adalah sebagai penjual ayam goreng didekat tempat tinggalnya di Jl.Abianbase Denpasar. Bersama istri dan anaknya Wahyu Ramadhan, mereka tinggal disebuah kamar yang disewa per bulannya Rp.150.000. Setiap harinya Saeful belanja bahan baku di Pasar Abianbase menggunakan sepeda motor miliknya. Penghasilan yang didapat, selain untuk membayar sewa kamar dan untuk kebutuhan sehari-hari, juga disisihkan sebagai tabungan untuk pendidikan anaknya kelak. Sebelumnya Saeful sudah pernah mendapatkan pinjaman. Setelah melunasinya, kali ini dia mengajukan lagi penjaman sebagai tambahan modal usaha. Pinjaman kali ini merupakan pinjaman yang kedua bagi Saeful B..

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
  • $4,647,925
    Funds lent in using Kiva
  • 9,311.5
    Indonesia Rupiahs (IDR) = $1 USD