An investment in knowledge pays the best interest. Benjamin Franklin

Our people in Indonesia

Name Bridget
Role Field Support Officer
Year started 2015
Location Indonesia

About Bridget

For many years I have had a keen interest in international development, so I am incredibly excited to have a chance to experience this work first hand as a Field Support Officer with Good Return in Indonesia.

My interest in this field began when I completed a Bachelor of Arts at UNSW where I majored in Development Studies and French. After completing this qualification and spending some time abroad, I felt that I wanted to develop some more specialised skills that would allow me to contribute more meaningfully to the sector. I thus decided to pursue my other passion: education.

I completed a Masters of Teaching with the University of Melbourne as part of the Teach for Australia program, and spent three years teaching in a senior secondary school in Canberra. In this time I also began working towards a Masters of Education (International Education) with the University of Sydney which I am still aiming to complete.

Given that one of Good Return’s main focus areas is Training and Capacity Building, I am thrilled to have the opportunity to combine my passions for education and international development. I’m also excited to add Bahasa Indonesia to my repertoire of languages!

Support Bridget's work in education in Indonesia

a week for Bridget
to be placed in Indonesia

Enter an amount you would like to give. Donations over $2 are tax deductible and are partly matched by Australian Aid.

Name Heather
Role Field Support Officer
Year started 2015
Location Indonesia

About Heather

Born in Australia and raised in New Zealand, I've always had a bad case of itchy feet. Impatient to see the world, I spent a year in Brasil as an AFS student, then worked in a myriad of occupations to fund travel, from nannying to sorting tulip bulbs.

Eventually it occurred to me that it would be wise to meld this interest in ‘developing’ countries and different cultures with ‘real’ work. So as a mature student, I completed a BA in Geography and Anthropology, followed by an MA in Development Studies.

I was fortunate to gain an NZAid Research Grant to complete MA research into forced evictions of slum settlements in Cambodia alongside Summer Field Scholarships at the University of Auckland. These gave me a taste of field research which has fuelled later roles in coordination and research.

While it took me a while to discover the non-profit field, I've made up for the slow start with volunteer and contract roles in Myanmar, a refugee camp on the Thai/Myanmar border, Cambodia, in Aboriginal communities across far North Australia and with the NZ Red Cross.

Each of these roles has extended my knowledge of the non-profit sector with diverse experiences in different sized organisations. Good Return’s partner in Indonesia, Credit Union Keling Kumang, has a multitude of varied initiatives. I'm looking forward to assisting them reach their objectives while developing greater knowledge of the microfinance sector and experiencing a very unique location – Sintang (rhymes with ‘Bintang’), Indonesia!

Support Heather's work in Indonesia

a week for Heather
to be placed in

Enter the amount you would like to give. Donations over $2 are tax deductible and are partly matched by Australian Aid.

Our Partner in Indonesia

Name Credit Union Keling Kumang
Head office Sintang, West Kalimantan, Indonesia
Year established 1993
Mission & Vision Vision: Become the First Choice Community Credit Union in West KalimantanMission: Provide responsible and sustainable financial services to reduce poverty and improve living standards.
Number of branches 62 offices: 1 head office, 21 branches, & 40 sub-branches
Number of staff 389
Number of field staff 48
Number of trainers 14
Non-financial products and services
  • Financial Literacy Training
  • Farmer Field School
  • Basic Education
  • Refresh Education
  • Education for inactive members (Pendidikan Gauk Anggota)
  • Education for Takan’s product members
  • Scholarship for members’ children
  • Scholarship for staff
Network affiliation not available
MIX Profile not available


About CUKK’s clients

Geographic coverage West Kalimantan, Borneo, Indonesia
Number of depositors 255,823
Number of borrowers 46,390
% of women depositors 67%
% of women borrowers 19%


Financial Performance

Dollar amounts are reported on in USD ($). Local currency is the Indonesian Rupiah (IDR).

Average loan balance per borrower $1294
Average deposit balance per depositor $460
Profitability (return on assets) 8%
Portfolio outstanding $60,057,293 (IDR 732,926,309,425)
Portfolio yield – real not available
Portfolio at risk (30 days overdue) 2%
Operational self sufficiency not available


Social Performance

Dimension 1: Define & monitor social goals CUKK is in the process of implementing the Progress out of Poverty Index tool (PPI) to measure poverty rates of its members.
Dimension 2: Commitment to goals CUKK review its Triple Bottom Line (financial, social, environmental) strategy every year during the strategic workshop, at which all management and board attend. Targets set during the workshop are reported back to management and the board on a quarterly basis to ensure everyone in the organisation is committed to the goals and mission if CUKK.
Dimension 3: Design products for clients needs n/a
Dimension 4: Treat clients responsibly CUKK has set up a complaints database to record complaints by a number of variables, including (branch, gender, department etc). The aim is to use customer complaints and feedback to improve CUKK’s operation and delivery of services to its customers.
Dimension 5: Treat employees responsibly n/a
Dimension 6: Balance social & financial performance n/a