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Partner Description:

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.

Kopernik works with 50 local partners who have distributed over 20,000 technology products and impacted more than 100,000 people. Currently, Kopernik has “Tech Kiosks” operating in Bali, Kupang and Bandung in Indonesia.

Indonesia lacks an established large-scale distribution network to its rural areas. Small kiosks and local shops account for approximately 85% of Indonesia’s retail market, but are often found in remote locations. As a result, distribution to these locations is time consuming and very expensive. Even if a supply chain is established, the product’s price must be high for end consumers to cover all the costs.

Kopernik is committed to addressing these supply chain challenges by distributing technology products via “Tech Kiosks” located in rural stores, thus lowering costs and increasing availability. Kiva funding will enable retailers to purchase more inventory at a better price, thereby increasing the distribution of life-improving technologies in rural communities.



A unique lending approach:

Kopernik works to sustainably provide communities with access to clean water, solar light, cleaner cooking equipment and improved health care by supporting local shop owners to sell life-changing technology products to local customers.

To establish Tech Kiosks in their stores, shop owners must fill out an application, receive an onsite visit and pass an interview. If they are selected, they receive training on product specifications, maintenance, after-sales service, data collection and reporting requirements. They then select which products they want to sell from a catalogue based on community needs and product demonstrations, and also receive promotional materials.

In addition to supporting shop owners to establish Tech Kiosks, Kopernik works with local partners to train residents to sell technologies in their communities. These salespeople are called Tech Agents. Tech Agents receive technologies on consignment that they then sell to their communities. Once they make a sale, they earn a commission, repay Kopernik for the cost of the products and replenish their inventories. 

User-added image

Kopernik joined Kiva through ourExperimental 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.


Repayment Performance on Kiva

    This Field Partner All Kiva Partners
  Start Date On Kiva Jun 14, 2013 Oct 12, 2005
Total Loans $48,400 $616,373,350
Amount of raised Inactive loans $0 $385,725
Number of raised Inactive loans 0 556
Amount of Paying Back Loans $31,700 $121,828,475
Number of Paying Back Loans 39 131,473
Amount of Ended Loans $16,700 $494,159,150
Number of Ended Loans 23 624,120
Delinquency Rate 0.00% 4.30%
Amount in Arrears $0 $3,383,431
Outstanding Portfolio $26,540 $78,638,819
Number of loanDelinquent 0 15,752
Default Rate 0.00% 1.10%
Amount of Ended Loans Defaulted $0 $5,427,079
Amount of Ended Loans $16,700 $494,159,150
Number of Ended Loans Defaulted 0 16,892
Currency Exchange Loss Rate 0.28% 0.10%
Amount of Currency Exchange Loss $134 $614,667
Refund Rate 0.00% 0.74%
Amount of Refunded Loans $0 $4,567,000
Number of Refunded Loans 0 5,104

Loan Characteristics On Kiva

    This Field Partner All Kiva Partners
  Loans to Women Borrowers 33.87% 74.24%
Average Loan Size $781 $419
Average Individual Loan Size $781 $655
Average Group Loan Size $0 $1,835
Average number of borrowers per group 0 8
Average GDP per capita (PPP) in local country $4,458 $3,415
Average Loan Size / GDP per capita (PPP) 17.51% 12.26%
Average Time to Fund a Loan 1.5 days 5.75 days
Average Dollars Raised Per Day Per Loan $520.01 $72.82
  Average Loan Term 11.69 months 10.46 months

Journaling Performance on Kiva

    This Field Partner All Kiva Partners
  Total Journals 39 307,660
  Journaling Rate 95.00% 42.28%
  Average Number of Comments Per Journal 0.00 0.07
  Average Number of Recommendations Per Journal 0.00 1.80

Borrowing Cost Comparison (based on 2009 data)

    This Field Partner Median for MFI's in Country All Kiva Partners
  Average Cost to Borrower 0% APR 40.00% PY 33.15% PY
  Profitability (return on assets) N/A 1.8% -1.29%
  Average Loan Size (% of per capita income) N/A 23.00% 38.08%

Country Fast Facts

Field Partner Staff

Sally Bolton
Putu Monica Christy
Ashley Grimes
Edwin Mulianto
Melissa Preston
Lincoln Rajali Sihotang
Cornelia Sitanggang
Ewa Wojkowska

Kiva Fellow(s)

Caroline Dorr