A loan of $2,675 helped a member to buy more local crops such as coconuts, bananas and chocolate.


Manis Kasih Cooperative (Group B)'s story

Manis Kasih Women’s Cooperative (Sweet Love) is a village banking organization located in Manistutu village near the town of Melaya in northwest Bali. Manis Kasih was originally formed out of the initiative of mothers who, at the time, found it very difficult to obtain loans to develop their businesses. Local banks had numerous requirements that were quite burdensome to the women and thus made it difficult to secure loans. This group was formed to make loans more accessible to the women in the region and, with its continued growth, became a legal entity in Bali in 2007.

At this time, Manis Kasih Women’s Cooperative has 126 members, all of whom are mothers of children of various ages. The group is located in a rural region of Bali, thus the majority of the women utilizing these loans work in agriculture as farmers, breeders or traders. Other women own small shops that sell daily goods such as rice, soap, etc. In this group there are also a few tailors and chocolate traders who will receive loans.

To meet the needs of its members and allow them to expand their businesses, Manis Kasih Women’s Cooperative is working with Koperasi Mitra Usaha Kecil (MUK) and Kiva to receive a loan fund that will be managed by the group leadership in accordance with the rules the members have established.

The leadership team pictured here will receive this loan and will distribute it to a group of approximately forty women who are all members of Manis Kasih. The loan money will allow the women to expand their respective businesses by buying new livestock, food or supplies for their animals, or by buying items to sell in their stores.

This subset of the Manis Kasih is headed by Ni Putu B. and they have requested a loan in the amount of 25,000,000 IDR. Ni Putu B. is a chocolate merchant. As the wife of a farmer, she chooses to not stay at home quietly, simply relying on her husband’s income. Instead, she searches for additional family income by riding on her motorcycle around the village each day to buy local crops such as coconuts, bananas and chocolate that she can sell in markets in neighboring regions. With her profits from this venture she supplements her husband’s income primarily to pay the school fees of her two young children.


Note to Kiva Lenders:
This group uses a community lending model (commonly referred to as Village Banking) that is very common throughout Asia. In this model, a select number of group representatives will take out a large loan on behalf of their entire group (often an entire village). They will then distribute and manage the loan and collect repayments for the lender.

This is a common and efficient practice in the region, but it makes reporting on Kiva somewhat unusual. Unlike most other loans, Kiva’s partner, MUK, will be in contact primarily with the group leadership team who in turn will be overseeing the end borrowers. As such, journal updates likely will reflect the performance of the lending group rather than the individual end borrowers.

To learn more about Village Banking on Wikipedia, please click here.

In this group: Ni Putu, Ni Luh , Ni Ketut , Ni Luh , Ni Komang , Ni Kadek , Ni Kadek



Loan details


Lenders and lending teams



Loan details