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Mutiara Group
In this Group: Ni Nengah, Ni Luh, Ni Made, Ni Nyoman, Ni Nyoman, Ni Nyoman, Ni Wayan
For a housewife in Bali, it has become commonplace to have pigs at home. They are used to support the family’s income other than the husband's income. Apart from the farming business, something else that could help meet the needs of daily life is to raise livestock, especially pigs.

In development, there are several obstacles faced in developing the business, such as limited knowledge of business management, as well as limited access to capital. To overcome this problem, they decided to join into one group so it would be easier to communicate among members of the group, and the group could more easily get funding.

Ni Nengah is head of the Mutiara group and runs a pig breeding business. To increase the business, Ni Nengah invited group members to participate in loan programs for small businesses from MUK.

Ni Nengah’s loan will be used to buy three piglets and the rest to buy feed. In a period of six months, pigs are ready for sale. The advantage gained from this effort will be used entirely to support the family economy.

Additional Information

More information about this loan

This loan is part of MUK’s effort to reach small business owners in rural areas of Bali in Indonesia. Borrowers often lack collateral to be eligible for working capital loans and are located in areas where access to microfinance is limited. MUK organizes borrowers into groups that cross guarantee one another, allowing them to qualify for a loan. By funding this loan you are providing underserved borrowers with crucial capital to sustain their existing businesses.

About Koperasi Mitra Usaha Kecil (MUK)

This loan is serviced by Koperasi Mitra Usaha Kecil (MUK), a microfinance cooperative headquartered in West Bali, Indonesia. MUK’s mission is to provide chronically poor people in Bali with opportunities to improve their lives, while raising social awareness of economic and environmental issues.
Most MUK clients live in rural settings on less than $1.25 per day. MUK’s financial products are targeted to clients’ productive activities including small businesses, farming, and livestock rearing. MUK supports clients with training in household budgeting, livestock rearing, and small business management.
MUK provides services to clients of all races and religions. For more information about MUK, please visit its partner page. Also, consider joining MUK’s Kiva lending team, Friends of Mitra Usaha Kecil.

This is a Group Loan

In a group loan, each member of the group receives an individual loan but is part of a larger group of individuals. The group is there to provide support to the members and to provide a system of peer pressure, but groups may or may not be formally bound by a group guarantee. In cases where there is a group guarantee, members of the group are responsible for paying back the loans of their fellow group members in the case of delinquency or default.

Kiva's Field Partners typically feature one borrower from a group. The loan description, sector, and other attributes for a group loan profile are determined by the featured borrower's loan. The other members of the group are not required to use their loans for the same purpose.

About Indonesia

  • $5,200
    Average annual income
  • 63
    View loans »
    Indonesia Loans Fundraising
  • $6,300,675
    Funds lent in using Kiva
  • 11,350.0
    Indonesia Rupiahs (IDR) = $1 USD

Success!! The loan was 100% repaid

A portion of Mutiara Group's $1,250 loan helped a member to buy three piglets and also feed.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
At end of term
Mar 11, 2014
Mar 17, 2014
Currency Exchange Loss:
Oct 17, 2014