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Wayan is a Balinese artisan who specializes in batik and beaded baskets and handbags. She would like to invest in the purchase of such raw materials as beads and baskets for production.

Wayan has been selling through NOVICA since 2002. This is her story:

"After I got married I started to learn beadwork techniques from my mother-in-law. Most people in my husband's village earn their living from beadwork. After six months of learning, I was able to create new designs. My favorite designs are flowers, thunder, balls, mountain, stars and many more."

"At the moment it's difficult to obtain the baskets I need for the beadwork, as they are hand-woven in a village on another island. That is why I'm very happy to receive this microcredit, because it will make it possible to buy larger amounts of baskets and beads in advance. My team will be happy and motivated too. Thank you very much for your support."

Use the link below to view Wayan's beaded, woven and batik accessories on the NOVICA site:

Additional Information

Important information about Novica

Novica is an e-commerce website that allows artisans around the world to sell unique, high-quality goods directly to consumers. It also offers small loans to help artisans in the developing world start and grow their businesses. It’s possible to buy goods created by the artisans you help fund on the Novica website.

Repayments on Novica loans are tied to artisan revenue. This means that if an artisan has a good month, they will pay back more -- or less during slower months. To accommodate this, all repayments on this loan are due at the end of the loan term. Any repayments received before this deadline will be considered pre-payments, but will still be distributed to lenders as usual.

Because Novica is not a microfinance institution, Kiva’s risk rating system is not applicable. Kiva has conducted onsite due diligence, and Kiva’s Investment Committee approved the organization as a partner. Novica offers artisans loans at 0% interest.

About Indonesia

  • $5,200
    Average annual income
  • 24
    View loans »
    Indonesia Loans Fundraising
  • $6,137,150
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $700 helped Wayan to invest in the purchase of such raw materials as beads and baskets for production.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
At end of term
Dec 4, 2012
Nov 4, 2012
Currency Exchange Loss:
Apr 17, 2013