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Sumarni is 40 years old and married. She lives with her husband and their children. She has one son and two daughters. She has a grocery shop to increase the family's income.

She has asked for a loan from KPP-UMKM Syariah for 8,000,000 rupiah. This loan will be used for the improvement of access to water and sanitation for their family. She will build a bathroom, septic tank, and closet at their home.

The sanitation will allow her and her family to have better health. She is very grateful for the opportunity and wants to thank all of the lenders.

Additional Information

More information about this loan

This water and sanitation loan is part of KPP-UMKM’s effort to improve the living standards of communities in west Jakarta in the province of Tangerang. Today, many Indonesian homes do not have access to safe water or sanitation facilities. With few hygienic alternatives available to them, families often face water pollution resulting in respiratory, gastrointestinal or skin diseases as well as river pollution due to illegal sewage piping. By partnering with Kiva, KPP-UMKM helps clients access key resources to build latrines, septic tanks and water tanks. By funding this loan, you are playing an important role in helping Indonesian communities protect themselves from diseases, and improving their living conditions.

Important Information

KPP-UMKM's mission as a Cooperative is to contribute to the economic well-being and empowerment of its members through it's savings and syariah loan program, manage the Cooperative with professionalism, provide an excellent service to its members and help create job opportunities for members and their families.

With the help of Kiva, KPP-UMKM provides loans that will enable borrowers to build clean water and sanitation facilities for their households and improve the health of their communities.

About Housing Loans

Many poor families cannot afford housing that meets their needs. When you make a housing loan on Kiva, you give people access to flexible capital to obtain or improve their homes. Better housing means better health, sanitation, and even educational outcomes for children. A house can also be much more for entrepreneurs who run businesses out of their homes. In this way, housing and small business loans on Kiva share a common purpose: to alleviate poverty and enable families to enjoy more stable lives.


About Indonesia

  • $5,200
    Average annual income
  • 20
    View loans »
    Indonesia Loans Fundraising
  • $5,461,825
    Funds lent in using Kiva
  • 11,708.7
    Indonesia Rupiahs (IDR) = $1 USD

Success!! The loan was 100% repaid

A loan of $700 helped Sumarni to build a bathroom, septic tank, and closet at their home.
100% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Oct 27, 2014
Aug 29, 2014
Currency Exchange Loss:
Dec 17, 2014