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Bintang Vega Group
In this Group: Ernawati , Ummul , Nenti , Sumaroh , Anis , Samsudin , Linda
For the past 2 years, Ummul has operated a grocery stall business at her house. Many people usually come to her stall at the beginning of the month. The business proceeds cover household expenses and her children’s school fees. Ummul’s husband works as a private sector employee.

Ummul loves her business because she can easily take care of her children. Her major obstacles are the number of competitors, the rising prices of groceries and the consumers who owe money. In order to continue improving her grocery stall, Ummul is requesting a loan of 1,500,000 IDR to buy grocery needs such as oil, rice, granulated sugar, wheat flour, etc. Ummul also hopes that she can have her own house because she’s living at her parents’ house now.

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
  • 99
    View loans »
    Indonesia Loans Fundraising
  • $6,318,525
    Funds lent in using Kiva
  • 9,625.0
    Indonesia Rupiahs (IDR) = $1 USD

Success!! The loan was 100% repaid

A portion of Bintang Vega Group's $1,100 loan helped a member to buy oil, rice, granulated sugar, wheat flour, etc.
100% repaid
Repayment Term
7 months (Additional Information)
Repayment Schedule
Nov 6, 2012
Nov 11, 2012
Currency Exchange Loss:
May 18, 2013