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Batu Alam Group
In this Group: Ratna, Yeni, Iwan, Muhammad, Tanmiyarno, Cut
Ratna is married with three children. She is 33 years old. Her business is selling perfume. She start this business in 2008 and the business is running well. This is the second loan Ratna has taken out from VisionFund Indonesia, and she is asking for 1,500,000 Indonesian Rupiah to pay for perfume. From this business Ratna can send her children to school. She hopes she can continue sending her children until university.

Ratna plans to have a good store in a strategic place, so that she can attract more people to be her customers.

Additional Information

About VisionFund Indonesia

VisionFund Indonesia is a Christian micro venture capital organization owned by Mitra Masyarakat Sejahtera (MMS) and Wahana Visi Indonesia. Founded in 2000, VFI operates in both Jakarta and Surabaya, the two biggest cities in Indonesia. VFI targets the entrepreneurial poor who have existing microbusinesses for at least 6 months and have no financial access to commercial banks. VFI also provides microinsurance for all clients through a partnership with Allianz insurance company. With nine branches as of 2011, VFI hopes to expand in order to reach underserved microfinance markets in other islands of Indonesia.

This is a Group Loan

In a group loan, each member of the group receives an individual loan but is part of a larger group of individuals. The group is there to provide support to the members and to provide a system of peer pressure, but groups may or may not be formally bound by a group guarantee. In cases where there is a group guarantee, members of the group are responsible for paying back the loans of their fellow group members in the case of delinquency or default.

Kiva's Field Partners typically feature one borrower from a group. The loan description, sector, and other attributes for a group loan profile are determined by the featured borrower's loan. The other members of the group are not required to use their loans for the same purpose.

About Indonesia

  • $5,200
    Average annual income
  • 30
    View loans »
    Indonesia Loans Fundraising
  • $5,306,625
    Funds lent in using Kiva
  • 8,522.0
    Indonesia Rupiahs (IDR) = $1 USD

Success!! The loan was 100% repaid

A portion of Batu Alam Group's $1,075 loan helped a member to pay for perfume.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
Jul 15, 2011
Aug 1, 2011
Currency Exchange Loss:
Oct 15, 2012