2. 2Pictures: KKI members with their Frame of Dreams 2Koperasi KASIH Indonesia
Introduction to KKI: A social business that empowers poor women
• KKI’s vision is “to be present for, involve with, and support poor
families, wherever they are”.
• KKI is a fruit of GOD’s calling, which was answered by Leon and Lucy,
a pair of friend at university; It was established in February 2011.
• 9.5 years later, it’s serving 9,600 low-income women in North Jakarta
with mindset-training, saving facilities & working capital loan.
3. 3 3Koperasi KASIH Indonesia
Why we need funds: To support members to bounce back faster
Pictures: KKI members with their micro-business
• COVID-19 outbreak had caused 60-80% of KKI members to stop their
micro-business. Most of their spouses also lost their job / income.
• After social distancing is eased, they don’t have needed working
capital as it was used for consumption, due to no income.
• KKI wants to support its 9,600 members with needed working capital
so they could bounce back faster. Our current cash is not enough.
4. 4
“Pada hari pertama membagikan
beras saya bertemu dengan
kelompok sutim, ada satu ibu yang
sangat terharu dibagikan beras,
karena ibunya sudah tidak
dibolehkan dagang bakso di pinggir
jalan, dan suaminya hanya ojek
online dengan penghasilan 20.000-
30.000 selama masa pademi ini.
Beliau begitu terharu mendapatkan
beras.” (shared by Siska)
4Koperasi KASIH Indonesia
Story from field #1 during rice distribution for members, April 2020
Pictures: KKI members holding 5 kg rice for their families
Our vision called us to be present for & support our members, especially
during tough times. KKI distributed 5kg rice to 9,579 members, for free.
5. 5
“Saat itu saya pergi ke kelompok
Manggis, ada ibu benar-benar
menangis di depan saya. Menurut
beliau KKI ternyata selama ini tidak
hanya asal ambil setoran tapi
benar-benar peduli dengan
Anggotanya. ‘Waktu Manggis banjir
KKI tetap nagih setoran kami, tapi
saat kami sedang kesusahan
seperti ini KKI benar-benar peduli
dengan kami.’” (shared by Siska)
5Koperasi KASIH Indonesia
Story from field #2 during rice distribution for members, April 2020
For more stories, click here (stories shared by KKI’s field officers)
Initially we were scared as 5kg rice for 9,579 members cost IDR465 million.
In the end, 159 people donated IDR 301 million. GOD is our provider.
6. 6 6Koperasi KASIH Indonesia
Our vision called us to do “whatever we can” to support members
Pictures: Members doing repayments at office; Receiving biscuits & masks
KKI’s special initiatives during pandemic:
1-month repayment holiday; Restructured repayments to only 10% for
1.5 months; Allowed members to repay loan with compulsory savings;
Provided more time for voluntary savings withdrawal; Distributed 5kg
rice + 1 mask + 1 can of biscuits to each member; Educating members
on COVID-19 prevention (through poster & continuous reminder).
7. 7 7Koperasi KASIH Indonesia
How much is needed & for how long: IDR 10 billion for 3-12 months
Picture: KKI members after 2019 “Fasting Month Loan” disbursement
• KKI plans to disburse new loans to 2,500 members (needing IDR 8.5
billion) & top-up existing loans of 7,100 members (IDR 3.5 billion).
• We have IDR 2 billion and need additional funding of IDR 10 billion,
to be returned within 3-12 months, based on your choice.
• We will return the loans using members’ repayments. Since 2014, KKI
have been having 100% repayment rate (0.004% bad debt to date).
8. 8SOURCE: KKI 8Koperasi KASIH Indonesia
Why you could trust us: We are not here for money, but as a calling
• KKI founders are doing this as a calling, not for money. Leon, as
an example, earns less today vs. 9.5 years ago in his previous job.
• KKI is trusted by >300 donors who had donated IDR 2.1 billion and 42
lenders who had loaned a total of IDR 10.9 billion to KKI until today.
• KKI’s financial stays solid despite pandemic, with Retained Earnings
of IDR 2 billion and assets of IDR 14 billion as of March 2020.
Click pictures below to access KKI’s publication on:
9. 9SOURCE: KKI 9Koperasi KASIH Indonesia
Appendix: Interest rate for different amounts & other arrangements
IDR 50-99
million
IDR 100 - 199
million
IDR 200 - 299
million
IDR 300 - 599
million
IDR 600 - 999
million
IDR >999
million
• Interest are subject to tax, with the
final total percentage varies based on
your personal / corporate income tax
bracket. It will be paid on 2 occasions.
• The first portion (15%) of the tax is paid
through KKI & acts as a Tax Credit.
• The second portion is paid from lender’s
end, by reporting the Interest Income
and Tax Credit in your SPT Tahunan.
• For more detailed explanation, click here.
• Contact us at +62855-8252218 (Leon) or
Koperasi.kasih.Indonesia@gmail.com.
Other arrangements
(All loans are in IDR 50 million / multiple)
8%
9%
10.8%
11.5%
12%
13%
Interest per
year, gross
Loan
amount
