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Hemdan’s mother-in-law owns a small kiosk selling everyday goods, snacks, bottled drinks, and toiletries. Even though he does not own it, he regularly checks on the stock, manages the kiosk, and always looks for new opportunities to grow the business. However, more shops have opened in his area and competition is tough. He is looking for an innovative solution to improve his business.

To increase his income, Hemdan has joined Kopernik’s Tech Kiosk network to sell simple life-changing technologies. He will use the loan to buy stock such as water filters, cooking stoves, and solar lamps. Hemdan also hopes Kopernik’s training program will improve his business skills.

Moreover, Hemdan also sees an opportunity from the solar lamp technology to answer electricity problems in Rote, a small island where he grew up. He is a very proactive entrepreneur who markets his products to the community instead of passively waiting for customers.

Additional Information

More information about this loan

This loan will help Kopernik to provide its network of independent re-sellers with inventory for simple, life-changing technologies, as opposed to cash or financial credit. Retailers will receive products such as water filters, solar lamps, efficient cookstoves, micro irrigation systems, corn shellers, milk pasteurizers, clean birth kits, infant warmers, mosquito nets and solar hearing aids.  

These retailers typically own pre-existing small businesses and wish to provide their communities with these technologies. They are responsible for repaying the cost of the products to Kopernik over the course of the loan term.

Kopernik will collect repayments from retailers each month based on their sales and this money will be returned to Kiva lenders. However, since actual sales are difficult to predict in advance, the repayment schedule on Kiva has been listed with only a single bullet repayment at the end of the term. This structure gives the retailers flexibility to repay on a schedule that works for their individual business needs.

About Kopernik:

Kopernik is a nonprofit organization that helps rural retailers in Indonesia sell simple, life-improving technologies to their communities. Founded in 2009, it connects technology makers with local partners in remote areas to address needs like clean water, electricity, food security and healthcare. Kiva funding will enable retailers to purchase more inventory at a better price, thereby increasing the distribution of life-improving technologies in rural communities.

Kopernik joined Kiva through our Experimental Partnership Program, and has therefore received a lighter level of due diligence. Accordingly, loans associated with this partner carry a higher level of risk than typical Kiva loans.

About Indonesia

  • $5,200
    Average annual income
  • 15
    View loans »
    Indonesia Loans Fundraising
  • $5,461,825
    Funds lent in using Kiva
  • 11,065.6
    Indonesia Rupiahs (IDR) = $1 USD

Success!! The loan was 100% repaid

A loan of $925 helped Hemdan to buy simple, life-saving technologies and resell them in his community.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
Dec 2, 2013
Dec 5, 2013
Currency Exchange Loss:
Jun 17, 2014