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Anonymous Group
In this Group: Anonymous, Anonymous, Anonymous, Anonymous, Anonymous, Anonymous, Anonymous, Anonymous, Anonymous, Anonymous, Anonymous, Anonymous, Anonymous
Ni Komang Darmini is a 30-year-old female living in the town of Pangkung Buluh. She is the group leader of a 13-member group loan offered by DINARI. While each member of the group receives an individual loan, they all are responsible for paying back the loans of their fellow group members if someone is delinquent or defaults. The official name of this borrowing group is Buluh Sari (DNR.M-0694).

Ni Komang Darmini is married and has three school-aged children. She owns and operates a business raising livestock, primarily raising pigs for sale. She has been engaged in this business for over five years and earns approximately 300,000 - 400,000 IDR a month.

In 2007, Ni Komang Darmini joined DINARI to gain access to financial services to help improve her living situation and her ability to engage in business activities. She has successfully repaid a previous loan of 1,000,000 IDR from DINARI. This previous loan was used to build shelter for her pigs.

Ni Komang Darmini is now requesting a new loan of 1,200,000 IDR which will be used to purchase livestock feed and other supplies. The loan will be her 3rd from DINARI. She plans to use the additional revenue generated from the business to pay the tuition fees of her children.

The mission of DINARI is to strive for the preservation of the environment, to empower the poor, and to provide socio-economic development opportunities to small business owners.

*Note: To maximize efficiency and reduce costs, this loan was posted using a template to automate the translation by Kiva. Given that manual translation of entrepreneur profiles is costly, Kiva created this template for our Field Partner to allow them to continue to post loans in Bahasa while providing quality and accurate information to Kiva lenders.


Ni Komang Darmini - (-) merupakan 30 tahun wanita. Dia (perempuan) tinggal di kota Pangkung Buluh. Ni Komang Darmini adalah pemimpin kelompok sebuah kelompok peminjam yang terdiri atas 13 anggota. Meskipun setiap anggota kelompok menerima pinjaman perorangan, mereka semua bertanggung jawab untuk mengembalikan pinjaman rekan anggota kelompok mereka jika ada yang menunggak atau gagal membayar. Nama resmi kelompok peminjam ini adalah Buluh Sari (DNR.M-0694).

Meskipun bukan satu-satunya sarana untuk menghasilkan pendapatan, sumber utama penghasilan bisnis tersebut terutama berasal dari beternak babi untuk dijual. Ni Komang Darmini sudah menjalankan bisnis ini selama lebih dari 5 tahun. Dari kegiatan-kegiatan ini, Ni Komang Darmini menghasilkan sekitar 300,000 - 400,000 IDR. Dalam 2007, Ni Komang Darmini bergabung DINARI untuk mendapatkan akses ke layanan keuangan untuk membantu meningkatkan -nya kondisi kehidupan dan kemampuan untuk menjalankan kegiatan bisnis. Ni Komang Darmini telah berhasil melunasi pinjaman sebelumnya sebesar 1,000,000 IDR dari DINARI. Pinjaman sebelumnya ini digunakan untuk membangun tempat berteduh/kandang bagi ternak peminjam. Dia (perempuan) sekarang meminta pinjaman baru sebesar 1,200,000 IDR.

Pinjaman ini akan menjadi 3rd pinjaman yang diambil oleh peminjam dari DINARI.

Tentang DINARI:
Misi DINARI adalah memperjuangkan kelestarian lingkungan, memberdayakan kaum miskin, dan menyediakan kesempatan pembangunan sosial ekonomi bagi pemilik usaha kecil.

*Catatan: Untuk memaksimalkan efisiensi & menurunkan biaya, pinjaman ini ditempelkan menggunakan templat sehingga dapat diterjemahkan otomatis oleh Kiva. Mengingat bahwa terjemahan manual atas profil memakan biaya besar, Kiva menciptakan templat ini untuk Mitra Lapangan untuk memungkinkan mereka terus menempelkan pinjaman dalam Bahasa sambil memberikan informasi yang bermutu & akurat kepada para pemberi pinjaman Kiva.

Additional Information

About Koperasi Mitra Usaha Kecil (MUK)

This loan is serviced by Koperasi Mitra Usaha Kecil (MUK), a microfinance cooperative headquartered in West Bali, Indonesia. MUK’s mission is to provide chronically poor people in Bali with opportunities to improve their lives, while raising social awareness of economic and environmental issues.
Most MUK clients live in rural settings on less than $1.25 per day. MUK’s financial products are targeted to clients’ productive activities including small businesses, farming, and livestock rearing. MUK supports clients with training in household budgeting, livestock rearing, and small business management.
MUK provides services to clients of all races and religions. For more information about MUK, please visit its partner page. Also, consider joining MUK’s Kiva lending team, Friends of Mitra Usaha Kecil.

This is a Group Loan

In a group loan, each member of the group receives an individual loan but is part of a larger group of individuals. The group is there to provide support to the members and to provide a system of peer pressure, but groups may or may not be formally bound by a group guarantee. In cases where there is a group guarantee, members of the group are responsible for paying back the loans of their fellow group members in the case of delinquency or default.

Kiva's Field Partners typically feature one borrower from a group. The loan description, sector, and other attributes for a group loan profile are determined by the featured borrower's loan. The other members of the group are not required to use their loans for the same purpose.

About Indonesia

  • $5,200
    Average annual income
  • 67
    View loans »
    Indonesia Loans Fundraising
  • $6,268,475
    Funds lent in using Kiva
  • 10,044.0
    Indonesia Rupiahs (IDR) = $1 USD

Success!! The loan was 100% repaid

A portion of Anonymous Group's $1,550 loan helped a member to purchase pig feed and other supplies.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
At end of term
May 26, 2009
Jun 16, 2009
Currency Exchange Loss:
Jan 17, 2010