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Sinar Kasih Group
In this Group: Maria, Sany, Fitri, Tyas
Maria is 40 years old married with three children. They are eighteen, fifteen and ten years old. The older one already finished high school and the other two still go to school.

Maria has been selling daily needs like eggs, oil and flour since 1981. She has a little kiosk near her house and people find it easy to access her kiosk. Her business is going well. She can help her husband who works for a publishing company to fulfill their family needs. This is her fourth loan with VisionFund Indonesia, and now she wants to add more inventory to her kiosk.

She really likes running this business, because she can get extra money for her family and still can take care of her family. Her future plan for her children is have enough savings to send them to university. Also in the future she wants to open a bigger kiosk or even more, she would like to open a branch of her store.

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
  • 18
    View loans »
    Indonesia Loans Fundraising
  • $5,293,200
    Funds lent in using Kiva
  • 8,855.0
    Indonesia Rupiahs (IDR) = $1 USD

Success!! The loan was 100% repaid

A portion of Sinar Kasih Group's $1,150 loan helped a member to buy more inventory for her kiosk such as flour, eggs, and oil.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
At end of term
Oct 19, 2011
Oct 27, 2011
Currency Exchange Loss:
Jan 15, 2013