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Matelda owns a small shop on the beach of Kupang. She opened her shop when she realized that the income from her fisherman husband could not support her family of two children. She works from dawn until midnight selling food, beverages and snacks.

To improve her income, Matelda has joined Kopernik’s Tech Kiosk network to sell simple life-changing technologies. She will use the loan to buy clean energy technologies such as solar lamps, water filters, and cooking stoves and grow her business. Matelda also hopes Kopernik’s training program will improve her business skills.

Matelda is keen to educate her relatives and friends on the importance of drinking clean water and switching their cooking methods from traditional stone stoves to improve the environment and their health.

Matelda will use the extra income to sustain her family’s daily needs and to educate her children.

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
  • 154
    View loans »
    Indonesia Loans Fundraising
  • $6,318,525
    Funds lent in using Kiva
  • 11,065.6
    Indonesia Rupiahs (IDR) = $1 USD

Success!! The loan was 100% repaid

A loan of $475 helped Matelda to buy clean energy products to sell in her community.
100% repaid
Repayment Term
18 months (Additional Information)
Repayment Schedule
Dec 2, 2013
Dec 9, 2013
Currency Exchange Loss:
Mar 17, 2015