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I Gede Widiarsana
I Gede Widiarsana owned a 1-hectare land. The entire land owned is planted with paddy, as irrigation is available throughout the year. During the year, growing paddy is usually harvested 3 times. Before this, I Gede Widiarsana plant paddy using the local seedlings as they are less expensive. Thus the income generate is less than maximum, as the local seedlings is easily infested by disease. In each growing season of 4 months, he only generated income of Rp. 500.000.- (about USD50) after deducting all payments for cultivating and maintenance expenses. This is insufficient to cover the family’s expenses, especially with the current economic condition. With the intention of improving the standard of his and family’s life, I Gede Widiarsana proposed a loan from Dinari Foundation for Rp. 6.000.000.- (about USD600). This mentioned loan would be used to purchase superior quality paddy seedlings costing Rp. 3.000.000.-, pay for cultivating the land and hiring labor costing Rp. 1.000.000.-, and purchase fertilizer and pesticide costing Rp. 2.000.000.-. I Gede Widiarsana already studied with farmers who have been using superior quality seedlings until he does not doubt getting a loan, as in reality, superior quality paddy seedlings is able to yield up to 3 times compared to local seedlings. Each harvest, superior seedlings is able to generate income of between Rp. 1.500.000.- and Rp. 2.000.000.- I Gede Widiarsana is confident his effort will be successful, also with supported by Dinari’s staff and paddy farmers who have succeeded with superior quality paddy seedlings.
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I Gede Widiarsana memiliki lahan seluas 1 hektar. Seluruh lahan yang dimilikinya ditanami dengan padi, karena pengairan yang cukup memadai sepanjang tahun. Selama 1 tahun, tanaman padi bisa dipanen sebanyak 3 kali. Sebelumnya, I Gede Widiarsana menanam padi dengan bibit jenis lokal karena harganya yang lebih murah. Namun, keuntungan yang didapatnya tidak maksimal, karena bibit jenis lokal mudah terserang penyakit. Dalam satu kali panen ( 4 bulan ), ia hanya mendapat keuntungan sebesar Rp. 500.000.- setelah dikurangi semua biaya untuk pengolahan tanah dan perawatan tanaman. Hal itu dirasakan belum mencukupi kebutuhan keluarganya, apalagi dengan kondisi ekonomi saat ini. Karena ingin meningkatkan taraf hidupnya dan keluarganya, I Gede Widiarsana mengajukan pinjaman ke Yayasan Dinari sebesar Rp. 6.000.000.- Pinjaman tersebut dipergunakan untuk membeli bibit padi kwalitas unggul sebesar Rp. 3.000.000.-, biaya pengolahan tanah dengan menyewa pekerja sebesar Rp. 1.000.000.- dan membeli pupuk serta anti hama sebesar Rp. 2.000.000.- I Gede Widiarsana sudah belajar dengan petani yang sudah lebih dulu menggunakan bibit kwalitas unggul sehingga ia tidak ragu untuk mendapat pinjaman, karena sesuai dengan kenyataan, bibit padi kwalitas unggul mampu menghasilkan hingga 3 kali lipat dibanding dengan bibit jenis lokal. Satu kali panen, bibit unggul bisa mendapatkan keuntungan sebesar Rp. 1.500.000.- hingga Rp. 2.000.000.- I Gede Widiarsana yakin usaha akan sukses, apalagi dengan terus didampingi oleh staf Dinari dan petani padi yang telah sukses dengan bibit padi kwalitas unggul.

Additional Information

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.

About Indonesia

  • $5,200
    Average annual income
  • 37
    View loans »
    Indonesia Loans Fundraising
  • $6,157,950
    Funds lent in using Kiva
  • 11,163.0
    Indonesia Rupiahs (IDR) = $1 USD

Success!! The loan was 100% repaid

A loan of $550 helped I Gede Widiarsana superior quality paddy seedlings, fertilizer, pesticide and hire labor (Bibit padi kwalitas unggul, pupuk, anti hama dan menyewa pekerja).
100% repaid
Repayment Term
7 months (Additional Information)
Repayment Schedule
At end of term
Nov 11, 2008
Dec 16, 2008
Currency Exchange Loss:
May 15, 2009