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Harapan 3 Group
In this Group: Suryati, Ida, Kusmurni, Suhayatini, Nur, Setyasari, Menik, Nita
Suryati is 39 years old and married with two children. Her children are going to school. She has been selling "nasi uduk" (Indonesian coconut rice) in front of her house for three years. Her husband helps her run this business. The business is going well but she needs more capital to increase the sales volume. This is her first loan with VisionFund Indonesia and she plans to use this loan to buy more rice and coconut to produce more "nasi uduk". Also she wants to provide more variation of dishes.

In the future she wants to have a restaurant so she can have a better income to continue giving her children a good education.

Other group members plan to use their loan to sell clothes on credit, sell snacks and sell mobile phone minute refills.

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
  • 86
    View loans »
    Indonesia Loans Fundraising
  • $5,148,150
    Funds lent in using Kiva
  • 9,020.0
    Indonesia Rupiahs (IDR) = $1 USD

Success!! The loan was 100% repaid

A portion of Harapan 3 Group's $850 loan helped a member to pay for more rice and coconut to produce more "nasi uduk" (Indonesian coconut rice) to sell.
100% repaid
Repayment Term
7 months (Additional Information)
Repayment Schedule
Nov 11, 2011
Dec 1, 2011
Currency Exchange Loss:
May 15, 2012