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Pande is a Balinese artisan who carves wonderfully realistic animal sculptures. He would like to invest in raw material such as wood for his works.

Pande has been selling through NOVICA since 2004. This is his story:

"I was born in a village well known for woodwork, and learned the art of woodcarving with my uncle. My favorite themes are the eagle and owl. It's a pleasure to be able to preserve such an animal in a carving. Animal sculptures are a great alternative, rather than endangering an animal's life by locking it up in a cage."

A message from Pande: "Thank you so much for your trust in funding this loan so I can buy wood and be ready for holiday season sales. To be prepared, I need capital to buy supplies and start production. I am happy and thankful for this opportunity, and hope it will help to let us keep working and keep our artworks alive. I hope you like my designs that I carved myself with love. Thank you!"

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
  • 64
    View loans »
    Indonesia Loans Fundraising
  • $6,256,325
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $150 helped Pande to invest in raw material such as wood for his works.
100% repaid
Repayment Term
13 months (Additional Information)
Repayment Schedule
At end of term
Dec 2, 2013
Nov 3, 2013
Currency Exchange Loss:
Dec 17, 2014