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Balai Rakyat 4 Group
In this Group: Yanti, Indri, Djubaedah, Saodah, Hikmah, Sulastri, Sundari, Daryuni
Hikmah and her husband sell plastics and used cardboard. She has been doing this since 2008. She enjoys doing this business because she can easily find the plastics and used cardboard from companies. One challenge that she has is on rainy days, when her things can get wet.

Hikmah is married with one son in fourth grade and one daughter in third grade. This is her second loan with VisionFund Indonesia. She will use this loan to buy materials to build a stand to sell plastics and used cardboard. She wants to have enough savings and hopes she can give a better education to her children.

Other group members will use their loans to improve their businesses which include selling nasi uduk (an Indonesian rice dish), selling fruits and selling snacks.

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
  • 63
    View loans »
    Indonesia Loans Fundraising
  • $6,275,400
    Funds lent in using Kiva
  • 8,974.0
    Indonesia Rupiahs (IDR) = $1 USD

Success!! The loan was 100% repaid

A portion of Balai Rakyat 4 Group's $1,625 loan helped a member to pay for materials to build a stand to sell plastics and used cardboard.
100% repaid
Repayment Term
11 months (Additional Information)
Repayment Schedule
Oct 18, 2011
Nov 12, 2011
Currency Exchange Loss:
Aug 29, 2012