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Jowo Slow Group
In this Group: Nartini, Narni, Sutarni, Yuni, Sri
Nartini lives in a village of the Cawang district of the province of Jakarta in Indonesia. She is 48 years old and is married with one son who is a senior in high school. To support her family, she opened a small kiosk in front of an academic school nearby her house. She sells there from 06.00 AM – 04.00 PM. The current business earns her family about 400,000 IDR per day to meet the family’s needs and pay her husband's medical fees which have accumulated over the two months of his being sick.

Nartini has been with VisionFund Indonesia for two cycles and completely repaid the past loans, which helped her to better support her family with enough food. Now she is leading her group of four to ask for another loan of 1,500,000 IDR each. As the leader, Nartini wants to use her portion to buy instant noodles and instant drinks to complete her kiosk. She hopes to earn more income from her business so as to make a better living. She dreams of having her own house.

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
  • 9,750.0
    Indonesia Rupiahs (IDR) = $1 USD

Success!! The loan was 100% repaid

A portion of Jowo Slow Group's $775 loan helped a member to buy instant noodles and instant drinks to sell in her kiosk.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
Mar 5, 2013
Apr 7, 2013
Currency Exchange Loss:
Mar 22, 2014