Yayasan Rumah Energi (YRE) is a program created by the international non-profit Hivos in Indonesia. YRE provides high quality biogas digesters to farmers in underserved regions of rural Indonesia. The program partners with local Construction Partner Organizations who are trained in installing and monitoring the biogas digesters. The Indonesian archipelago has over 17,000 island and many remote communities struggle to access affordable and convenient sources of energy. Biogas is a realistic solution for many farmers to obtain a renewable source of energy that can also increase family income by raising farm productivity.

YRE targets nine provinces in Indonesia, including West Java, Central Java, East java, Jogiakarta, Lampung, Bali, West Nusa Tenggara, East Nusa Tenggara and South Sulawesi. YRE enables farmers to become energy independent, increases the fertility of the soil and land, and decreases chemical fertilizer use through the use of biogas digesters.
A unique lending approach:
Loans are made to groups of 5-10 cattle farmers who do not have the collateral necessary to borrow from other financial institutions. The loans will be offered to populations of farmers in remote areas of Indonesia where financial services are limited or non-existent.

Loans funds are used to help farmers pay for the construction of biogas digesters. The digesters range in size, depending on the farmer’s need, capacity to repay, and ability to feed the digester with cattle waste. The funds will help farmers pay for the materials and labor necessary to construct and install the digesters. All digesters are covered by a three-year warranty that protects farmers against faulty construction. Technicians make two visits per year to monitor the digesters and conduct any needed repairs. 

Repayment Performance on Kiva

    This Field Partner All Kiva Partners
  Start Date On Kiva Sep 23, 2014 Oct 12, 2005
Total Loans $81,175 $975,604,775
Amount of raised Inactive loans $2,650 $454,250
Number of raised Inactive loans 2 219
Amount of Paying Back Loans $74,625 $147,820,250
Number of Paying Back Loans 26 184,624
Amount of Ended Loans $3,900 $827,330,275
Number of Ended Loans 3 1,040,061
Delinquency Rate 67.24% 8.14%
Amount in Arrears $26,951 $7,854,198
Outstanding Portfolio $40,084 $96,479,828
Number of Loans Delinquent 17 19,674
Default Rate 0.00% 1.39%
Amount of Ended Loans Defaulted $0 $11,517,921
Number of Ended Loans Defaulted 0 33,035
Currency Exchange Loss Rate 0.14% 0.45%
Amount of Currency Exchange Loss $110 $4,428,499
Refund Rate 3.48% 0.61%
Amount of Refunded Loans $2,825 $5,970,900
Number of Refunded Loans 1 5,987

Loan Characteristics On Kiva

    This Field Partner All Kiva Partners
  Loans to Women Borrowers 3.03% 75.40%
Average Loan Size $389 $399
Average Individual Loan Size $0 $629
Average Group Loan Size $2,625 $1,760
Average number of borrowers per group 6.8 7.7
Average GDP per capita (PPP) in local country $5,200 $5,874
Average Loan Size / GDP per capita (PPP) 7.48% 6.79%
Average Time to Fund a Loan 4.16 days 6.9 days
Average Dollars Raised Per Day Per Loan $93.43 $57.76
  Average Loan Term 22.97 months 11.13 months

Journaling Performance on Kiva

    This Field Partner All Kiva Partners
  Total Journals 6 509,580
  Journaling Rate 50.00% 41.50%
  Average Number of Comments Per Journal 0.00 0.05
  Average Number of Recommendations Per Journal 0.00 1.16

Borrowing Cost Comparison (based on 2015 data)

    This Field Partner Median for MFI's in Country All Kiva Partners
  Average Cost to Borrower 1% APR 40.00% PY 26.13% PY
  Profitability (return on assets) 0.3% 1.8% -1.72%
  Average Loan Size (% of per capita income) N/A 23.00% 16.60%

Country Fast Facts

Field Partner Staff

Hernety Bustomi
yudha hartanto
Husni Irawati
willem leang
Umar NTB
Idha Razak
Chabi Romzini
Wasis Sasmito
Bren Wiratsongko