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Sumarti dreams of seeing her four children graduate from high school, although she herself only studied until the sixth grade. She works to realize this dream by selling cooked food and other small items from her stall.

Unfortunately health problems limited the time she could spend preparing food at night, reducing the variety of products she could sell. This affected her daily sales volume. She had the same amount of responsibility to support her family, but now with a lower income.

However, Sumarti is a tenacious woman, a positive person who is open to new opportunities. She wanted to expand her business, and saw a market for selling simple, green technologies such as water filters, solar lights and clean cookstoves.

Sumarti will use the loan to purchase the technologies and set up a technology kiosk, making clean water and alternative energy available in her community.

Sumarti is very enthusiastic about the project. With the help of her daughter, Sinta, who is majoring in accounting at a vocational high school, they will serve as many customers as possible. This is also a learning opportunity for Sinta who will handle the orders and bookkeeping.

Additional Information

More information about this loan

This loan will help Kopernik to provide its network of independent re-sellers with inventory for simple, life-changing technologies, as opposed to cash or financial credit. Retailers will receive products such as water filters, solar lamps, efficient cookstoves, micro irrigation systems, corn shellers, milk pasteurizers, clean birth kits, infant warmers, mosquito nets and solar hearing aids.  

These retailers typically own pre-existing small businesses and wish to provide their communities with these technologies. They are responsible for repaying the cost of the products to Kopernik over the course of the loan term.

Kopernik will collect repayments from retailers each month based on their sales and this money will be returned to Kiva lenders. However, since actual sales are difficult to predict in advance, the repayment schedule on Kiva has been listed with only a single bullet repayment at the end of the term. This structure gives the retailers flexibility to repay on a schedule that works for their individual business needs.

About Kopernik:

Kopernik is a nonprofit organization that helps rural retailers in Indonesia sell simple, life-improving technologies to their communities. Founded in 2009, it connects technology makers with local partners in remote areas to address needs like clean water, electricity, food security and healthcare. Kiva funding will enable retailers to purchase more inventory at a better price, thereby increasing the distribution of life-improving technologies in rural communities.

Kopernik joined Kiva through our Experimental Partnership Program, and has therefore received a lighter level of due diligence. Accordingly, loans associated with this partner carry a higher level of risk than typical Kiva loans.


About Indonesia

  • $5,200
    Average annual income
  • 77
    View loans »
    Indonesia Loans Fundraising
  • $5,747,225
    Funds lent in using Kiva
  • 9,818.0
    Indonesia Rupiahs (IDR) = $1 USD

Success!! The loan was 100% repaid

A loan of $625 helped Sumarti to buy more green technologies for her tech kiosk.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Jun 15, 2013
Jun 14, 2013
Currency Exchange Loss:
Jun 17, 2014