Micro Lending: Respecting Cultural Diversity


Gendriani is Hindu and lives in the most northern part of Denpasar, the capital of Bali – far away from the main tourist areas. As agreed, she repaid her first microcredit within 3 months by January 2017. Thanks to the initial credit, she was able to buy an additional hotplate, a new wok and supplementary kitchen equipment which enabled her to cook more food in less time and thus increase her opening hours to sell more products. Her income rose by 20%.

Gendriani’s granddaughter turned three months old. This is a very important day in the life of Hindus as it is the first time the child touches the ground. In the first three months, great caution is taken to make sure babies to not get in contact with the soil. To pay for the traditional ceremony, every family member contributes as much as possible. It was natural for Gendriani to meet a large share of the costs as the rest of the family lives in a rural, hard-to-reach region of Bali and is therefore even more destitute. Gendriani closed her shop and moved back to her family for the ceremony.

‘The people we support don’t know a separation between private and business assets’, explains Sanna from WKP. ‘When money is needed for family or religious obligations, it doesn’t matter where the money comes from.’

Subsequent to her return to Denpasar, Gendriani received a second microcredit  due to her reliability and timely repayment of the first credit. She used the second instalment to buy wholesale and reopen her shop.