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Nurhayati is from Indonesia. She has 2 children. She needs a loan of $125 to purchase inventory for her snack stand.

Surabaya 1
other entrepreneurs here Indonesia


Nurhayati is from Indonesia. She has 2 children. She needs a loan of $125 to purchase inventory for her snack stand.

  • Top Goals To purchase inventory for her snack stand
  • Children Helped 2

Nurhayati's Story

Nurhayati helps to support her family by operating a small restaurant on the street, where she sells snacks. A major challenge to her business is the fact that there are many similar businesses and a limited number of customers. In order to be competitive, she needs to expand her business by offering a greater selection of food items.

With a loan from World Vision, Nurhayati plans to purchase a larger variety of foods to sell. With the additional income she will earn from this improvement, she will be able to provide the daily necessities for her family and pay the school fees for her two children. In the future, Nurhayati will continue to invest in and grow her business. Her goal is eventually to own a larger store where she will sell a wider variety of products.

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Industry Info

Retail is a quick and scalable way to begin earning a profit. Many entrepreneurs begin with stalls at markets or even at home and need a loan to expand or increase their inventory. Others may be ready to open a small store. Goods purchased from loan funds range from clothing, grocery or sundry items to jewelry, candy, perfume or health and beauty supplies. Loans in the commerce sector account for around 33% of our loans.

Nurhayati's Community

World Vision began working with the people of Indonesia in 1957, when we hosted a pastors conference. In 1961, a childcare program opened to help orphans and refugee children. By 1967 the program grew to assist some 2,000 children. During the 1970s, World Vision donors sponsored more than 8,000 children, and community development work began in several areas. Today, U.S. sponsors alone support 20,000 children in six community development areas, including Surabaya.

Ministry of Education data shows that many children living in the slums of Surabaya are not attending school. Surveys also found that high numbers of infants die from preventable diseases such as pneumonia and diarrhea. This community has schools and health clinics, but the most common factor preventing access is poverty. Families can’t afford school fees and materials, or the cost of clinic visits and medicines. To address these issues, World Vision and community members have determined that improved income opportunities and health and education projects are critical. Community instruction on the importance of child rights and education also were deemed vital to community success.

World Vision began working alongside families in the slums of Surabaya in 2000, and programs designed to provide lasting, holistic, community development are directly targeting approximately 2,045 sponsored children and their families.

Nurhayati's Mid Term Update September 10, 2012

Thank you for supporting a small business loan for Nurhayati to expand her food and retail business. After receiving the loan from World Vision, she invested the $125 to purchase inventory for her snack stand. Nurhayati has been repaying her loan on time with her new profits. She makes weekly payments of $3.

In addition to repaying her loan, Nurhayati is using additional income to purchase food for her family, buy supplies in bulk and purchase equipment. Nurhayati's 2 children continue to study in school.

Thank you for supporting Nurhayati and World Vision Micro!

Nurhayati's Final Update December 31, 2012

Thank you for supporting the small loan for Nurhayati to improve her snack food business. She invested her loan of $125 into purchasing a wide variety of inventory for her snack stand to improve selection and sales.

Nurhayati has now repaid her loan in full. In addition to repaying her loan, Nurhayati has used her additional income to pay her children's school fees and to purchase more inventory.

Nurhayati's two children continue to study in school.

The loan Nurhayati received helped her business expand, and the profits she is earning create lasting improvements in her life. In the future, Nurhayati hopes to continue sending her children to school and further expand her current business.

Thank you for your support of Nurhayati and World Vision Micro. These funds are now being recycled to support another eager entrepreneur in the same community.

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1 Donors

  • Paulette
    May 21, 2012
    Contributed to 20 other loans

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