Indonesia > Koperasi Mitra Usaha Kecil (MUK)

About the Field Partner

Koperasi Mitra Usaha Kecil (MUK) administers this loan. Learn more
Field Partner:	Koperasi Mitra Usaha Kecil (MUK)
Field Partner Risk Rating:	(Learn more)
Time on Kiva:	29 months
Kiva Entrepreneurs:	1490
Total Loans:	$408,150
Interest & Fees are Charged:	Yes (Learn more)
Portfolio Yield: 22% Profitability (Return on Assets): -3% Average Loan Size (% of Per Capita Income): 3%
Delinquency Rate:	0.00%
Default Rate:	0.00%
Currency Exchange Loss Rate:	0.00%
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Kiva Fundraising Status

Fundraising Status	Active
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Other Information Sources

MIX Profile	View MIX Profile
Network Affiliation	OI - Opportunity International
Social Performance Reporting Level	N/A
Consumer Protection Principles	N/A
Field Partner Website	None
Email Contact	iriantow@indo.net.id

KOPERASI MITRA USAHA KECIL (Micro Enterprise Partners Cooperative), or MUK, is a microfinance institution on the island of Bali in the country of Indonesia and is the sister organization of long-standing KIVA partner DINARI Foundation. MUK was created in 2009 out of a new Indonesian legal obligation to separate its financial lending operations from the non-profit social programming offered by DINARI Foundation.

MUK provides services to all lower income people throughout Bali, without consideration of race, religion or culture. They assist small businesses and their owners by providing training, business consultation and loans, with the intention of increasing profits thereby enabling the owners to better provide daily needs, education and services for themselves and their families. MUK offers both individual and group “Trust Bank” loans.

MUK Vision and Mission

Mission: To increase public awareness of environmental issues and to provide opportunities for people in chronic poverty to improve their lives.

Vision: A world that is prosperous and free from poverty.

Values: Love, Compassion, Equality, Transparency, Integrity and Credibility.

Commitment: To serve and help the poor.

Strategy: To empower people, create jobs, stimulate small business, and strengthen communities.

Motto: Your partner to success.

DINARI Foundation

In addition to the micro loans offered through MUK, DINARI Foundation offers robust social program covering:

1. Environmental Preservation

2. Community Development

• Improving infrastructure of roads and bridges and supporting building and church renovations

3. Social Services

• Providing support to victims of catastrophes such as the Bali bombings or the Yogyakarta earthquake.

4. Health Program

• Focused on empowering poor women through health training, providing extra food for children under the age of 5, and assisting pregnant or breastfeeding mothers.

5. Animal Husbandry and Agriculture

• This program serves pig and cow breeders in Bali’s Badung and Jembrana regions with business consultation and training to improve business management, loans to increase production and veterinary services as needed.

6. Business Training

• Providing general business consulting and training for a variety of businesses and life skills that are mentioned in the programs above.

Partners

MUK is well positioned in the industry within Indonesia and southeast Asia and has partnered with numerous organizations around the world including Tearfund (New Zealand), Opportunity International Australia (OIA), Opportunity International Deutchland (OID), Habitat for Humanity (Jakarta, Indonesia) and HIVOS (Netherlands).

DINARI Foundation is one partner of Opportunity International Network (OIN-Chicago)