Fostering Change by Sharing Love (KASIH)
Providing assistance alone is rarely enough for long-term change. We believe the inner readiness of families living in poverty is just as essential as the financial aid they receive.
The majority of Indonesia’s poor are often unable to fully utilize assistance due to constant daily struggles, which force short-term survival thinking. Over decades or generations, this hardship drains confidence and drive, causing many to lose hope in improving their lives.
With 100 million poor and vulnerable people in Indonesia—where 1 in 4 falls back into poverty every three years—at KKI, we strive to ignite hope first. We equip members with the right mindsets, motivation, and disciplined financial habits, followed by access to capital and savings to empower them to exit poverty permanently.
Our 3-Step Approach
Education
Our mindset-motivation training goes beyond teaching technical skills. We instill confidence in our members that they can achieve their dreams.
We ignite their intrinsic motivation through Frame of Dreams; a frame where member sticks image of their dreams (such as child's university graduation, or owning a house) and hangs it on a visible spot.
The purpose is to remind the poor of their deepest heart’s wish and motivate them to act on it. New members will elaborate their dreams in front of their lending group to receive prayers and well wishes.
We also encourage savings regularly and provide tips in saving up through small, actionable steps that suit our members' conditions.
Business Loan
Members receive microloans only if they attend mindset-motivation training. We strive to always remind them of their life goals and why they take the loan.
The microloans are provided to support and expand their micro-businesses, ranging from 3.5 up to 13 million rupiah. The loan is repaid weekly over 35, 41, or 48 weeks.
Our goal is to ensure that members utilize loans productively to continuously uplift their household's economic well-being, building stable income and sustainable financial habits for the long term.
Savings
Savings awareness amongst low income population in Indonesia is still very low. Only 20% of the adult population has an account in the formal financial sector, and many do not save at all.
To encourage savings habit, we apply weekly compulsory savings that cannot be withdrawn until the loan cycle ends. At the end of loan cycle, members receive the full amount in cash.
As they understand the convenience and importance of savings, we also offer micro savings facility that accepts as little as 1 thousand rupiah. Member can deposit and withdraw their money anytime.
We offer training and savings facility free of charge.
Additional Support Programs
Beyond our core services, these complementary initiatives directly support member livelihoods, share business success, and foster community bonding.
Ramadhan Loans
- Provides additional business capital required by members during the high-demand Ramadhan period.
- Exclusively granted to long-standing members who have demonstrated responsible repayment records at KKI.
Net Surplus Distribution
- Whenever KKI records a positive net surplus (SHU), it is distributed back to members in the form of goods or savings account credits.
- Structured in 3 tiers: for active members, recognition for Group Leaders & Treasurers, and awards for top savers.
Member Outings
- Invites members for group recreational trips to refresh and unwind from daily routines.
- Partially subsidized by KKI, with the remaining cost covered by interested participants.