A loan of $1,675 helped a member to purchase baby livestock to raise & sell in the future.


Wiguna Merta Group's story

Ni Nengah R. is a 31-year-old female living in the town of Melaya, Bali. Ni Nengah R. is the group leader of a 10-member group loan offered by MUK. 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 Wiguna Merta (PK-10253).

Ni Nengah R. is married and has three school-aged children. To make a living, Ni Nengah R. owns & operates a business raising pigs for sale. Ni Nengah R. has been engaged in this business for over 10 years and earns approximately 100,000 IDR a month from these activities.

In 2010, Ni Nengah R. joined MUK to gain access to financial services to help improve her living situation and ability to engage in business activities. Ni Nengah R. is requesting for the first time a loan from MUK. She is now requesting a new loan of 1,500,000 IDR, which will be used to purchase baby livestock to raise & sell in the future. Ni Nengah R. plans to use the additional revenue generated from the business to pay the tuition fees of her children.

About MUK:
The mission of Koperasi Mitra Usaha Kecil (MUK) is to assist small businesses in Bali by providing training, business consultation and loans, thereby helping the owners and their families improve their everyday lives.



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In this group: Ni Nengah, Ni Komang, Ni Komang , Ni Made, Mistinah, Ni Komang, Ni Nengah, Ni Made, Ni Made, Ni Ketut



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