YOU CAN MAKE A DIFFERENCE

one dream at a time

Every woman joining KKI receives free mindset-motivation training, a Frame of Dreams, a savings account, and savings book alongside access to microloans.

As we grow to empower tens of thousands of members, our financial capital needs scale significantly. To this day, our journey is made possible through the trust, loans, and donations of supporters who share our vision.

You too can be a catalyst in making their dreams come true.

Sustainable Social Impact

Funds lent to KKI directly expand financial access for women micro-entrepreneurs in underserved urban areas. Beyond capital access, every borrower is equipped with mindset-motivation training, goal-setting tools, and structured savings habits to build long-term economic independence.

This empowerment creates intangible positive ripple effects—improving household health, securing better education, and creating a brighter future for Indonesia's next generation.

KKI Loan Funding Interest Rates

Loan Amount Annual Interest (Gross)
IDR 50 Million 8.0%
IDR 100 – 150 Million 9.0%
IDR 200 – 250 Million 10.8%
IDR 300 – 550 Million 11.5%
IDR 600 – 950 Million 12.0%
IDR 1 – 1.95 Billion 13.0%
IDR 2 Billion or above 13.5%
Key Terms & Conditions
  • Loan Multiples: Loans are disbursed in multiples of IDR 50 million.
  • Tenor / Duration: Flexible tenure between 6 to 12 months, tailored to KKI’s funding needs and lender preferences.
  • Legal Agreement: Formal agreement signed by both parties with official duty stamp (meterai).
  • Tax Treatment (Non-Final Withholding Tax):
    • An initial withholding tax of 15% is deducted by KKI (tax credit slip/bukti potong provided).
    • Final reporting and adjustment are completed by lenders in their Annual Personal Income Tax Return (PPh 21).
Accountability & Transparency
  • Lenders receive quarterly progress reports summarizing field operations and member impacts.
  • Lenders are welcome to visit KKI operations by making an appointment.

100% of donations received by KKI go directly into funding microloans for our members, unless specified otherwise by the donor for a particular social program.

Bank Transfer Details
Bank Name Bank Rakyat Indonesia (BRI)
Account Name Koperasi KASIH Indonesia
Account Number 1223.01.000112.30.9
Branch Mall Ambasador (Rasuna Said)

Kindly confirm your donation via email to koperasi.KASIH.indonesia@gmail.com. We will send you an official donation receipt and include you in our regular progress updates.