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Swasembada 3 Group
In this Group: Onih, Sarpin, Nuraini, Derlin, Katmah
Nuraini is pictured on the right wearing the brown veil. Nuraini is a widow. She is a mother of three children. Her children already finish school and have jobs. She has been selling cosmetics for two and half years. Her business is going well. She can add more cosmetics step by step. This is her second loan with VisionFund Indonesia. She wants to use it to buy different brands of cosmetics. She likes to do this business because cosmetics are durable and easy to sell. One problem that she usually faces is when it is raining, she needs to close her kiosk. That is why, in the future, she wants to have her own shop. So even though it is raining, she still can open her shop.

Other group members will use their part of the loan to improve their businesses such as selling vegetables and nasi uduk (Indonesian coconut rice).

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
  • 113
    View loans »
    Indonesia Loans Fundraising
  • $6,318,525
    Funds lent in using Kiva
  • 9,070.0
    Indonesia Rupiahs (IDR) = $1 USD

Success!! The loan was 100% repaid

A portion of Swasembada 3 Group's $1,125 loan helped a member to buy more cosmetics to sell.
100% repaid
Repayment Term
11 months (Additional Information)
Repayment Schedule
Dec 14, 2011
Jan 3, 2012
Currency Exchange Loss:
Oct 15, 2012