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Usaha Jaya 5 Group
In this Group: Maryati, Nuraeni, Sinah, Hartono, Sri, Tami
Maryati is 43 years old. She is married with one son. In the picture she is the one wearing the white headscarf. A year ago she began selling "krupuk" (Indonesian crackers) in front of her house and through her neighbors' stalls. Now she needs a loan to buy more "krupuk" to expand the business from one kilogram to two kilograms per day.

The income from her "krupuk" business supplements what her husband makes. She hopes that someday she and her husband will have enough savings to buy a home because they currently rent. She also hopes that having more income in the family will help her son someday obtain a commercial driving license so he can have a job.

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
  • 78
    View loans »
    Indonesia Loans Fundraising
  • $5,747,225
    Funds lent in using Kiva
  • 8,569.1
    Indonesia Rupiahs (IDR) = $1 USD

Success!! The loan was 100% repaid

A portion of Usaha Jaya 5 Group's $900 loan helped a member to pay for "krupuk" (Indonesian crackers) to resell in food stalls.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Aug 18, 2011
Sep 13, 2011
Currency Exchange Loss:
Mar 15, 2012