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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.




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)

Repayment Performance on Kiva

    This Field Partner All Kiva Partners
  Start Date On Kiva Aug 31, 2007 Oct 12, 2005
Total Loans $2,362,925 $874,960,175
Amount of raised Inactive loans $0 $710,400
Number of raised Inactive loans 0 536
Amount of Paying Back Loans $127,650 $136,648,425
Number of Paying Back Loans 111 167,060
Amount of Ended Loans $2,235,275 $737,601,350
Number of Ended Loans 2,258 916,439
Delinquency Rate 0.19% 8.46%
Amount in Arrears $228 $7,476,165
Outstanding Portfolio $122,636 $88,321,485
Number of Loans Delinquent 5 22,435
Default Rate 0.06% 1.32%
Amount of Ended Loans Defaulted $1,445 $9,707,641
Number of Ended Loans Defaulted 5 27,160
Currency Exchange Loss Rate 0.73% 0.44%
Amount of Currency Exchange Loss $17,314 $3,823,595
Refund Rate 0.41% 0.65%
Amount of Refunded Loans $9,675 $5,700,625
Number of Refunded Loans 13 5,834

Loan Characteristics On Kiva

    This Field Partner All Kiva Partners
  Loans to Women Borrowers 84.77% 74.90%
Average Loan Size $186 $407
Average Individual Loan Size $352 $640
Average Group Loan Size $1,653 $1,805
Average number of borrowers per group 9.8 7.8
Average GDP per capita (PPP) in local country $5,200 $5,934
Average Loan Size / GDP per capita (PPP) 3.58% 6.86%
Average Time to Fund a Loan 1.57 days 6.92 days
Average Dollars Raised Per Day Per Loan $118.64 $58.85
  Average Loan Term 8.53 months 11.06 months

Journaling Performance on Kiva

    This Field Partner All Kiva Partners
  Total Journals 2,181 447,522
  Journaling Rate 73.69% 41.57%
  Average Number of Comments Per Journal 0.10 0.05
  Average Number of Recommendations Per Journal 6.13 1.27

Borrowing Cost Comparison (based on 2014 data)

    This Field Partner Median for MFI's in Country All Kiva Partners
  Average Cost to Borrower 22% PY 40.00% PY 26.87% PY
  Profitability (return on assets) 0.3% 1.8% -0.78%
  Average Loan Size (% of per capita income) 2.80% 23.00% 18.82%

Country Fast Facts

Field Partner Staff

Zeruya Lesmana