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Tumbuh Kembang 5 Group
In this Group: Nilawati, Dewi, Frisminingsih, Farida, Kustika, Raini, Iyul, Ariyani
Nilawati is in her late 50s with three children. Nilawati has a small business selling cooked food and cookies at a stand in front of her home. She has been operating this business for 12 years. She will use the loan to buy flour, sugar, seasonings and eggs for her bakery and catering business. Her business strategy is to be friendly and helpful to all of her customers.

Her husband is a retired civil worker and his income is very helpful. She enjoys her business because can help her jobless neighbors work with her. Some of the other group members will use this loan for selling clothes on credit, selling cell phone card refills, and selling daily basic needs in grocery stores.

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
  • 50
    View loans »
    Indonesia Loans Fundraising
  • $6,157,950
    Funds lent in using Kiva
  • 9,485.0
    Indonesia Rupiahs (IDR) = $1 USD

Success!! The loan was 100% repaid

A portion of Tumbuh Kembang 5 Group's $2,375 loan helped a member buy wheat flour, eggs, butter and seasonings for catering.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Aug 9, 2012
Aug 23, 2012
Currency Exchange Loss:
Sep 17, 2013