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Halim Cwg Group
In this Group: Dewi, Elise, Juli, Rosmini, Yulismar, Yunni
Elise, 31 years old, is married to Crisjayadi. They have been blessed with two children: one is in elementary school and the other is a toddler. She also has additional dependents, her parents who live with her family. Elise has a business selling electronic minutes and vouchers, and electronic goods. Elise has been operating this business for four years and is requesting her seventh loan from VisionFund Indonesia. She runs her business from her home. Sometimes she gets orders from her husband's officemates also. She earns 300,000 – 400,000 IDR every month. She already has 20 customers. Elise will use this loan to buy minutes and vouchers, which she buys every two weeks. She will also use 2,000,000 IDR to buy electronic goods.

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
  • 19
    View loans »
    Indonesia Loans Fundraising
  • $5,296,650
    Funds lent in using Kiva
  • 9,687.0
    Indonesia Rupiahs (IDR) = $1 USD

Success!! The loan was 100% repaid

A portion of Halim Cwg Group's $2,750 loan helped a member to buy minutes and vouchers, as well as electronic goods.
100% repaid
Repayment Term
10 months (Additional Information)
Repayment Schedule
Feb 21, 2013
Mar 11, 2013
Currency Exchange Loss:
Nov 26, 2013