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Usaha Jaya 17 Group
In this Group: Hermawaty, Susanti, Markunah, Tri, Sukeni, Mariany, Suherni, Aisah
Hermawaty is part of the Usaha Jaya 17 group. She is 30 years old and has two children. In June of 2007, she started to sell clothes by credit to her neighbours. Usually they pay Hermawati two or three times. The business is going well and she can help her husband pay for school fees. This is her second time borrowing from VF Indonesia. She has asked for 1.500.000 Indonesian Rupiah to pay for Moslem clothes. Because at the end of this month is a big day, Idul Fitri, she believes she can increase her sales. In the future, she wants to open a kiosk in Pasar Koja.

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
  • 87
    View loans »
    Indonesia Loans Fundraising
  • $6,318,525
    Funds lent in using Kiva
  • 8,520.0
    Indonesia Rupiahs (IDR) = $1 USD

Success!! The loan was 100% repaid

A portion of Usaha Jaya 17 Group's $1,425 loan helped a member to pay for moslem clothes.
100% repaid
Repayment Term
7 months (Additional Information)
Repayment Schedule
Aug 10, 2011
Aug 17, 2011
Currency Exchange Loss:
Mar 15, 2012