KPP-UMKM is a microfinance institution founded in 2003 in Indonesia. KPP-UMKM offers a wide range of financial products including small business loans, housing improvement loans, high school loans and water/sanitation loans. Their target population is low-income families.
 
A unique lending approach:
 
With the help of Kiva funding, KPP-UMKM provides loans to households who lack the financial resources to access clean water and sanitation facilities. KPP-UMKM is offering loans that will enable borrowers to build/access a clean water source, septic tank, and/or sanitation facility in their household.
KPP-UMKM has selected four construction partners who have extensive coverage of the area and will build the facilities for borrowers.

Repayment Performance on Kiva

    This Field Partner All Kiva Partners
  Start Date On Kiva Aug 17, 2014 Oct 12, 2005
Total Loans $66,625 $677,210,200
Amount of raised Inactive loans $0 $495,975
Number of raised Inactive loans 0 289
Amount of Paying Back Loans $57,475 $128,974,300
Number of Paying Back Loans 111 142,654
Amount of Ended Loans $9,150 $547,739,925
Number of Ended Loans 15 684,016
Delinquency Rate 0.15% 7.14%
Amount in Arrears $73 $5,984,892
Outstanding Portfolio $48,017 $83,852,659
Number of Loans Delinquent 3 22,499
Default Rate 0.00% 1.11%
Amount of Ended Loans Defaulted $0 $6,104,406
Amount of Ended Loans $9,150 $547,739,925
Number of Ended Loans Defaulted 0 18,783
Currency Exchange Loss Rate 0.01% 0.20%
Amount of Currency Exchange Loss $5 $1,320,899
Refund Rate 0.00% 0.70%
Amount of Refunded Loans $0 $4,723,750
Number of Refunded Loans 0 5,242

Loan Characteristics On Kiva

    This Field Partner All Kiva Partners
  Loans to Women Borrowers 100.00% 74.24%
Average Loan Size $529 $417
Average Individual Loan Size $529 $656
Average Group Loan Size $0 $1,839
Average number of borrowers per group 0 8
Average GDP per capita (PPP) in local country $4,458 $3,383
Average Loan Size / GDP per capita (PPP) 11.86% 12.32%
Average Time to Fund a Loan 4.37 days 6.09 days
Average Dollars Raised Per Day Per Loan $121.03 $68.46
  Average Loan Term 34.11 months 10.65 months

Journaling Performance on Kiva

    This Field Partner All Kiva Partners
  Total Journals 39 334,396
  Journaling Rate 0.00% 41.65%
  Average Number of Comments Per Journal 0.00 0.07
  Average Number of Recommendations Per Journal 0.00 1.66

Borrowing Cost Comparison (based on 2009 data)

    This Field Partner Median for MFI's in Country All Kiva Partners
  Average Cost to Borrower 23% APR 40.00% PY 32.07% PY
  Profitability (return on assets) N/A 1.8% -1.94%
  Average Loan Size (% of per capita income) N/A 23.00% 19.61%

Country Fast Facts

Field Partner Staff

Kamaruddin Batubara
Indri Eka Yuniar
Andini Ekasari
M. Anwar Solihin
Radius Usman