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Ni Luh Deli
It has already been a year since Deli experienced good gains, since receiving loan from Dinari/Kiva. From 2 pairs of cows being raised, would result in bearing calves, one was born. This calf will be reared for several months after which will be sold in order to buy feed and for gains from selling this calf. Apparently, revenue from this effort will lighten Deli’s burden substantially. Apart from paying for the daily needs, it also assists her husband to support the child’s education, although it is only little. As Deli’s husband is just a farmer. For this second loan, Deli is even more enthusiastic in this effort. Deli’s wish, for this second loan, her cow will be healthy and reproduce. And the mother cow will always be reared to reproduce many more calves, thus this venture will develop to be more successful. Even though this will require more effort to collect grass to feed the cows being reared. Her spirits is high until not noticing the time Deli usually searches the surrounding for food to feed the cows. Sometimes the cows will be herded to seek grass themselves. For the future, Deli wants the funding to increase to sufficiently to purchase a pair of mother cows so that her venture will be more successful.
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Sudah satu tahun ini,Deli merasakan keuntungan yang lumayan, sejak mendapat pinjaman dari Dinari/Kiva.Dari dua pasang sapi yang dipelihara sudah bisa menghasilkan anak sapi sebanyak satu ekor.sapi kecil ini dipelihara beberapa bulan setelah itu dijual agar bisa membeli pakan dan mendapat keuntungan dari penjualan sapi ini.Ternyata hasil dari usaha ini sangat meringankan beban Deli.Selain bisa membiayai kebutuhan sehari-hari,juga bisa membatu Suami dalam membiayai sekolah anaknya,walaupun hanya sedikit.Karena Suami Deli hanya seorang petani.Untuk pinjaman yang kedua ini Deli lebih bersemangat dalam menekuni usaha ini.Keinginan Deli, untuk pinjaman yang kedua ini sapinya bisa beranak dan sehat.Dan Induk yang ada akan selalu dipelihara agar bisa menghasilakn banyak anak sapi.sehingga bisa mengembangkan usaha lebih maju.Walaupun dengan keringat lelah mencari rumput untuk memberi makan sapi peliharaannya. semangat yang ada sangat besar.sehingga tanpa mengenal waktu Deli selalu berkeliling mencari makanan untuk sapi peliharaannya.Kadang juga Sapi peliharaannya dibawa untuk mencari rumput sendiri.Untuk kedepannya Deli ingin modal yang diberikan bisa bertambah.sehingga bisa membeli satu pasang Induk sapi.agar usaha bisa berkembang lebih maju.

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

  • $5,200
    Average annual income
  • 31
    View loans »
    Indonesia Loans Fundraising
  • $5,306,625
    Funds lent in using Kiva
  • 11,763.0
    Indonesia Rupiahs (IDR) = $1 USD

Success!! The loan was 100% repaid

A loan of $450 helped Ni Luh Deli buy cows.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
At end of term
Feb 27, 2009
Mar 30, 2009
Currency Exchange Loss:
Apr 15, 2010