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Tumbuh Kembang 11 Group
In this Group: Umi, Mani, Yuliana, Mardiana
Umi is taking her first loan with VisionFund Indonesia to help her martabak stand. Martabak is an Indonesian snack that can be made fluffy and sweet with eggs and chocolate or savory and crisp with onions. She has been making and selling martabak since 2009. She is taking this loan to buy more ingredients so she can increase the amount of martabak she makes. These ingredients include items such as eggs, sugar, flour, onions, cheese, and chocolate. She will also by Tupperware because she wants to start selling Tupperware outside of the nearby school to the parents who wait for their children.

Umi is married with three children. Her children are 10, 8 and 4 years old and they all attend school. Her husband works as a handyman. Umi likes making martabak and is happy to contribute to the economical well being of her family. Until now, her business has faced a few challenges including competitors in her area and lack of access to capital. But now that she is getting a loan, she does not need to worry about a lack of capital to grow the business.

The other group members will use their loans to help grow their businesses, which are selling nasi uduk (Indonesian coconut rice), selling snacks for children, and running a store selling food at a school.

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
  • $5,738,675
    Funds lent in using Kiva
  • 9,030.0
    Indonesia Rupiahs (IDR) = $1 USD

Success!! The loan was 100% repaid

A portion of Tumbuh Kembang 11 Group's $400 loan helped a member to pay for more ingredients to make martabak (Indonesian snack) and tupperware to sell.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Nov 29, 2011
Jan 1, 2012
Currency Exchange Loss:
Jun 23, 2012