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Kerta Jaya Amerta Group
In this Group: Ni Luh, Ni Wayan, Ni Nengah, Ni Kadek, Ni Luh, Nari Fenty, Ni Putu, Ni Komang, Ni Ketut, Ni Komang
Ni Luh M. is a 54-year-old woman living in the town of Melaya - Bali. Ni Luh M. 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 Kerta Jaya Amerta (PK-10263).

Ni Luh M. is married and has 5 adult children. To make a living, Ni Luh M. owns & operates a business venture in the agriculture sector raising livestock. While not the only means for generating revenue, the main source of income for the business comes from raising pigs for sale. Ni Luh M. has been engaged in this business for over 5 years and earns approximately 200,000 IDR a month from these activities.

In 2010, Ni Luh M. joined MUK to gain access to financial services to help improve her living situation and ability to engage in business activities. Ni Luh M. is requesting for the first time a loan from MUK in the amount of 1,500,000 IDR which will be used to purchase baby livestock to raise & sell in future. This will be the 1st loan taken out by the borrower from MUK. Ni Luh M. plans to use the additional revenue generated from the business to save as a reserve for future emergencies.

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.

Ni Luh M. 0 (0) merupakan 54 tahun wanita. Dia (perempuan) tinggal di kota Melaya - Bali. Ni Luh M. adalah pemimpin kelompok sebuah kelompok peminjam yang terdiri atas 10 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 Kerta Jaya Amerta (PK-10263).

Meskipun bukan satu-satunya sarana untuk menghasilkan pendapatan, sumber utama penghasilan bisnis tersebut terutama berasal dari beternak babi untuk dijual. Ni Luh M. sudah menjalankan bisnis ini selama lebih dari 5 tahun. Dari kegiatan-kegiatan ini, Ni Luh M. menghasilkan sekitar 200,000 IDR. Dalam 2010, Ni Luh M. bergabung MUK untuk mendapatkan akses ke layanan keuangan untuk membantu meningkatkan -nya kondisi kehidupan dan kemampuan untuk menjalankan kegiatan bisnis. Ni Luh M. meminta pinjaman untuk pertama kalinya dari MUK. Dia (perempuan) sekarang meminta pinjaman baru sebesar 1,500,000 IDR.

Pinjaman ini akan menjadi 1st pinjaman yang diambil oleh peminjam dari MUK.

Tentang MUK:

Misi Koperasi Mitra Usaha Kecil (MUK) adalah untuk membantu usaha kecil di Bali dengan memberikan perlatihan, konsultasi bisnis, dan pinjaman uang, dengan demikian membantu pemilik usaha dan keluarga mereka memperbaiki hidup sehari-hari.

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
  • 61
    View loans »
    Indonesia Loans Fundraising
  • $6,282,700
    Funds lent in using Kiva
  • 8,998.0
    Indonesia Rupiahs (IDR) = $1 USD

Success!! The loan was 100% repaid

A portion of Kerta Jaya Amerta Group's $1,675 loan helped a member to purchase baby livestock to raise & sell in future.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
At end of term
Aug 24, 2010
Sep 4, 2010
Currency Exchange Loss:
Mar 24, 2011