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Zone Setia Group
In this Group: Murani, Ayi, Dita Dwi, Dewi
"Zone Setia" is a group of four people whose members live in the same village but have different businesses. The group's leader, Murani, who is wearing a pink shirt in the picture, is 46 years old. Murani is married to Armand. She has a child, Rizky, who is 16 years old and is in Senior High School. Murani and her husband live together with Rizky and take care of the different household responsibilities together.

Murani works as gymnastic instructor from one village to another, and she also sells gym suits and t-shirts. She started this business last year. Usually she works as a gymnastic instructor on call, and with her experience she usually gets a call at least twice a week. After she works as a instructor then she sells her goods. From this business she can get 100,000 IDR a week. From this income she can pay her child's extracurricular fees. She has dream to open a bakery because her child wants to be a chef.

Murani is borrowing 2,000,000 IDR, she will use this loan to buy gym suits and t-shirts.

Murani and the other members of the “Zone Setia" group are requesting financial support from VisionFund Indonesia for the 2nd time so that they can increase their working capital.

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
  • $5,304,950
    Funds lent in using Kiva
  • 9,655.0
    Indonesia Rupiahs (IDR) = $1 USD

Success!! The loan was 100% repaid

A portion of Zone Setia Group's $850 loan helped a member to buy gym suits and t-shirts.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
Dec 20, 2012
Jan 8, 2013
Currency Exchange Loss:
Nov 26, 2013