A loan helped a member to purchase baby livestock to raise & sell in future.


Sari Karya Group's story

Ni Ketut N. is a 46-year-old woman living in the town of Melaya - Bali. Ni Ketut is the group leader of a 15-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 Sari Karya (PK-10362).


Ni Ketut is widowed and has three children, two have already finished their education in Senior High School and the other one is still in Elementary School. To make a living, Ni Ketut 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 Ketut has been engaged in this business for over five years and earns approximately 300,000 IDR a month from these activities.

Ni Ketut N. now has no husband. Her husband died three months ago because of illness. Although she has been left a widow, Ni Ketut N. did not grieve too long; she kept the spirit of doing business. She still pays for the school needs for one of her children. The two children who have graduated from school are still looking for a job. She hopes that with the help of a loan for her business, she will be able to support her family.


In 2010, Ni Ketut joined MUK to gain access to financial services to help improve her living situation and ability to engage in business activities. Ni Ketut has successfully repaid a previous loan of 1,500,000 IDR from MUK. This previous loan was used to invest in expanding the business. She is now requesting a new loan of 1,500,000 IDR which will be used to purchase baby livestock to raise & sell in future. This will be the 2nd loan taken out by the borrower from MUK. Ni Ketut plans to use the additional revenue generated from the business to financially support immediate members of her family.


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 Ketut N. (0) merupakan 46 tahun wanita. Dia (perempuan) tinggal di kota Melaya - Bali. Ni Ketut adalah pemimpin kelompok sebuah kelompok peminjam yang terdiri atas 15 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 Sari Karya (PK-10362).


Meskipun bukan satu-satunya sarana untuk menghasilkan pendapatan, sumber utama penghasilan bisnis tersebut terutama berasal dari beternak babi untuk dijual. Ni Ketut sudah menjalankan bisnis ini selama lebih dari 5 tahun. Dari kegiatan-kegiatan ini, Ni Ketut menghasilkan sekitar 0,300 IDR. Dalam 2010, Ni Ketut bergabung MUK untuk mendapatkan akses ke layanan keuangan untuk membantu meningkatkan -nya kondisi kehidupan dan kemampuan untuk menjalankan kegiatan bisnis. Ni Ketut telah berhasil melunasi pinjaman sebelumnya sebesar 1.500.000 IDR dari MUK. Pinjaman sebelumnya ini digunakan untuk berinvestasi dengan mengembangkan bisnis. Dia (perempuan) sekarang meminta pinjaman baru sebesar 1.500.000 IDR.


Pinjaman ini akan menjadi 2nd 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.


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In this group: Ni Ketut, Ni Made, Ni Putu, Ni Luh, Ni Nengah, Ni Putu, Ni Ketut, Ni Luh, Ni Komang, Ni Komang, Ni Ketut, Ni Putu, Ni Komang, Ni Komang, Ni Ketut



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