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Bintang Fajar Group
In this Group: Nano, Sri , Erma , Turiah , Purwanto , Jiartati , Neneng, Maryati , Rosmawati , Tiar Dina
Neneng is a mother of four children: Agung, 17, Syawal 12, Melati, 9, and Jaka, 4. To fulfill her daily needs, she sells cigarettes and drinks on the roadside of Jakarta. She’s been doing it since four years ago. She’s married to a man who works as a driver’s assistant with Jakarta's public transportation system. From that job, he generates about IDR 30,000-50,000 per day.

Neneng loves to do her job because this is the only way that she’s able to do to afford her children’s school fees. Besides, she can work and babysit her children at the same time. Sometimes, Neneng has to deal with people who buy her merchandise on credit.

She is now asking for a loan for 2,000,000 IDR to increase her capital and her merchandise. With good funds and continuous hard work, her dream is to have a better job and her own restaurant in the future.

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
  • 27
    View loans »
    Indonesia Loans Fundraising
  • $6,145,650
    Funds lent in using Kiva
  • 9,625.0
    Indonesia Rupiahs (IDR) = $1 USD

Success!! The loan was 100% repaid

A portion of Bintang Fajar Group's $2,100 loan helped a member to add capital and buy cigarettes, coffee,tea, and beverage packaging.
100% repaid
Repayment Term
11 months (Additional Information)
Repayment Schedule
Nov 6, 2012
Nov 11, 2012
Currency Exchange Loss:
Oct 1, 2013