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Henry is an Indonesian artisan who specializes in sterling silver and leather jewelry. He would like to invest in a bulk purchase of silver and leather for his designs.

Henry has been selling through NOVICA since 2009. This is his story:

"I used to live in Jakarta, but it was difficult to find jewelry that was specifically designed for men. So I decided to leave the hustle and bustle of Jakarta and move to Bali in 2002. There, I could pursue my dreams and create my own collections. Designing jewelry for men has become an intrinsic part of my lifestyle. In my designs I'm often funky and chunky and I like to mix different materials such as sterling silver, leather and bone. My goals in life are to raise my three kids, be a good partner for the artisans that work with me, and keep focused on designing men's silver jewelry.

"Many thanks for this interest-free microcredit. It is a helpful boost, and I sincerely appreciate it. To me it means that I can continue working, and I'll enjoy presenting my new collections to all of you!"

Use the link below to view Henry's sterling silver and leather jewelry on the NOVICA site:

Additional Information

Important information about Novica

Novica is an e-commerce website that allows artisans around the world to sell unique, high-quality goods directly to consumers. It also offers small loans to help artisans in the developing world start and grow their businesses. It’s possible to buy goods created by the artisans you help fund on the Novica website.

Repayments on Novica loans are tied to artisan revenue. This means that if an artisan has a good month, they will pay back more -- or less during slower months. To accommodate this, all repayments on this loan are due at the end of the loan term. Any repayments received before this deadline will be considered pre-payments, but will still be distributed to lenders as usual.

Because Novica is not a microfinance institution, Kiva’s risk rating system is not applicable. Kiva has conducted onsite due diligence, and Kiva’s Investment Committee approved the organization as a partner. Novica offers artisans loans at 0% interest.


About Indonesia

  • $5,200
    Average annual income
  • 32
    View loans »
    Indonesia Loans Fundraising
  • $5,214,575
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $2,850 helped Henry to invest in a bulk purchase of silver and leather for his jewelry designs.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
At end of term
Sep 19, 2014
Aug 23, 2014
Currency Exchange Loss:
Mar 17, 2015