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We are a small, not for profit organisation that provides low-interest loans to some of the poorest people in Bali, Indonesia.

The region is one of the most beautiful in Bali, but is also one of the poorest.

We work out of a region that is commonly known as Amed. It's actually a string of around seven villages that stretch along a spectacular coastline of bays and inlets, hugged by rugged mountains and valleys. These villages include Amed, Jemeluk, Bututan, Linah, Selang, Banyuning and Aas.

Tourism is very new to the Amed Region and foreign owned resorts and dive operations have sprung up all along the coastline. Although it's considered a relatively quiet place, the region is becoming well known for its reefs and wreck dives.





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Karma Credit Foundation ABN 33642213701