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Wayan is a Balinese artisan who specializes in hand-crafted sterling silver jewelry. He would like to invest in a bulk purchase of silver for his designs.

Wayan has been selling through NOVICA since 2000. This is his story:

"I was born in a village called Banjar Apuan Singapadu, Sukawati on the island of Bali. I am the eldest of three children from a family of artists, but I was the first in my family to work with silver. I started to learn at the age of fifteen as an apprentice in my village with a good but strict teacher. If I made one piece just a little bit wrong he would be so angry with me, but he also taught me how to work under stress and short time limits. A good foundation, if you ask me! After five years I started on my own to produce original pieces that I sold to local shops. And slowly I was able to save enough money to make my own workshop at home, where I work still until this day. My main inspirations come from nature and the daily life around me. Flowers and animals are my favorite subjects, but sometimes abstract geometrical shapes come into my mind, even though they are inspired strongly by nature originally. Silver is not an easy medium to work with here, because the price changes all the time, but I cannot imagine doing anything else."

"I am pleased to have another opportunity to receive microcredit. It will really help me to be able to buy the silver and gemstones I will need to prepare for the upcoming busy season. I hope the microcredit will help me to increase my sales this year, and I want to thank you for all the support."

Use the link below to view Wayan's jewelry 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
  • 63
    View loans »
    Indonesia Loans Fundraising
  • $6,263,175
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $2,850 helped Wayan to invest in a bulk purchase of silver for his designs.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
At end of term
Sep 22, 2014
Aug 24, 2014
Currency Exchange Loss:
Mar 17, 2015