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Nurul Hikmah 3 Group
In this Group: Siti, Dewi, Suparmi, Sarminih, Erfan, Edi*
* not pictured
Siti, 43 years old, has been blessed with four children: Siska already works, Fauziah and Inas are in Senior and Junior High School, and Inus is still a toddler. Mohammad, her husband, works as a driver of public transportation. He is paid only 100,000 IDR every day. Therefore Siti sells cooked food for breakfast every day, from 5 am – 7 am in front of her house, to help her husband and fulfill her children's educational needs. Siti has loyal customers, and every day she earns a profit of 75,000 IDR.

Siti will use her part of this loan to expand her business, by beginning to sell instant cold drinks and mobile phone minutes cards. Too little capital and the competition are her obstacles in running this business.

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
  • 107
    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 Nurul Hikmah 3 Group's $950 loan helped a member to buy instant drink powder and mobile phone minutes cards.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
Oct 23, 2012
Nov 21, 2012
Currency Exchange Loss:
Oct 1, 2013