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Hiper Mandiri Group
In this Group: Wenny, Jovita, Elsagina, Karsiah, Oki
Wenny is married and has four children. The three of her children who are of school-going age are currently attending school.

Wenny is 37 years old and has been cooking and selling snacks for the last six years. Her business has been growing and the orders have increased, so she needs this loan to buy more ingredients to expand the snacks she sells. Cooking has always been her hobby, so she is happy she was able to turn it into a profitable business. The main challenge she faces with her business is planning how much to cook each day because the snacks spoil after one day.

Her hope for her business is that she can eventually open a shop inside the mall. Her hope for her family is one day they can have their own home from the savings. Other group members have businesses selling clothes on credit and selling cellphone minute refills.

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
  • 94
    View loans »
    Indonesia Loans Fundraising
  • $5,738,675
    Funds lent in using Kiva
  • 8,855.0
    Indonesia Rupiahs (IDR) = $1 USD

Success!! The loan was 100% repaid

A portion of Hiper Mandiri Group's $575 loan helped a member to pay for more ingredients to make new varieties of snacks.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
At end of term
Oct 17, 2011
Oct 27, 2011
Currency Exchange Loss:
Sep 15, 2012