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Nirvana Group
In this Group: Bariyah, Neneng, Wagiyem, Kartinah, Siti, Eka, Sinah
Bariyah is 31 years old and married with two children. Her children are 13 and 10 years old. Her husband is a laborer working on construction projects. She has been selling items such as coffee, instant noodles, cooked eggs, and pop-ice from her stall for the past two years. She will use this loan to replenish the stock of food and coffee to sell and also to buy gas for her stove to cook noodles and eggs for her customers. Her business is going well and she can use the income to give money to her children to ride the public van to school. She also enjoys her business because the supplemental income added to her husband's helps cover the daily expenses of the family. As Bariyah only completed elementary school, she wants to be able to send her children to have better and more education than she had.

The other group members will use their loans for businesses such as selling used hand phones and selling clothing to customers on credit.

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
  • 13
    View loans »
    Indonesia Loans Fundraising
  • $5,457,875
    Funds lent in using Kiva
  • 8,834.5
    Indonesia Rupiahs (IDR) = $1 USD

Success!! The loan was 100% repaid

A portion of Nirvana Group's $775 loan helped a member to buy more coffee, instant noodles, eggs, and pop-ice to sell from her food stall.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Oct 21, 2011
Nov 6, 2011
Currency Exchange Loss:
May 15, 2012