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 $86,375 $700,959,625
Amount of raised Inactive loans $600 $502,850
Number of raised Inactive loans 1 311
Amount of Paying Back Loans $76,625 $133,111,525
Number of Paying Back Loans 147 150,071
Amount of Ended Loans $9,150 $567,345,250
Number of Ended Loans 15 706,085
Delinquency Rate 0.13% 7.73%
Amount in Arrears $85 $6,751,877
Outstanding Portfolio $63,585 $87,381,791
Number of Loans Delinquent 2 27,655
Default Rate 0.00% 1.12%
Amount of Ended Loans Defaulted $0 $6,327,222
Amount of Ended Loans $9,150 $567,345,250
Number of Ended Loans Defaulted 0 19,053
Currency Exchange Loss Rate 0.02% 0.23%
Amount of Currency Exchange Loss $16 $1,591,452
Refund Rate 0.00% 0.69%
Amount of Refunded Loans $0 $4,842,450
Number of Refunded Loans 0 5,332

Loan Characteristics On Kiva

    This Field Partner All Kiva Partners
  Loans to Women Borrowers 100.00% 74.30%
Average Loan Size $530 $416
Average Individual Loan Size $530 $655
Average Group Loan Size $0 $1,844
Average number of borrowers per group 0 8
Average GDP per capita (PPP) in local country $4,458 $3,373
Average Loan Size / GDP per capita (PPP) 11.89% 12.35%
Average Time to Fund a Loan 3.94 days 6.22 days
Average Dollars Raised Per Day Per Loan $134.34 $66.92
  Average Loan Term 35.99 months 10.71 months

Journaling Performance on Kiva

    This Field Partner All Kiva Partners
  Total Journals 40 344,967
  Journaling Rate 0.00% 41.51%
  Average Number of Comments Per Journal 0.00 0.07
  Average Number of Recommendations Per Journal 0.00 1.61

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 32.11% PY
  Profitability (return on assets) N/A 1.8% -1.95%
  Average Loan Size (% of per capita income) N/A 23.00% 19.57%

Country Fast Facts

Field Partner Staff

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