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Jus Makmur Group
In this Group: Komariah, Semih, Asanah, Nyanyih, Dahlia
Komariah is 47 years old and married with four children. They are all of school age and are currently attending school. She has been selling eggs, rice, flour, and sugar from a shop in front of her house since the year 2000. Her husband is a driver. She hopes that their combined income is enough to send all of her children to university in the future.

She enjoys her business because it is a daily stream of income and so far it has been going well. However, there has been increased competition recently so she feels that by having this loan to increase her products she can grow her client base.

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
  • 61
    View loans »
    Indonesia Loans Fundraising
  • $6,275,400
    Funds lent in using Kiva
  • 8,850.0
    Indonesia Rupiahs (IDR) = $1 USD

Success!! The loan was 100% repaid

A portion of Jus Makmur Group's $500 loan helped a member to pay for more eggs, rice, flour, sugar to resell in her shop.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Oct 21, 2011
Nov 7, 2011
Currency Exchange Loss:
May 15, 2012