Pak Martin owns a shop in his neighborhood ("Pak" means something like "father" and is used to identify a person respectfully.). His shop is located on a strategic corner in the neighborhood, and is painted pink. His neighbors call his shop the pinky Shop.
In this shop, he sells various everyday items and provides extraordinary services. The items he sells include food, drinks, mineral water, rice, instant noodles, stationery, and lamps and other electrical devices. Also--last but not least--he provides tire repair services.
Pak Martin runs this business along with his wife. However, he will be the one who interacts more with the customers and makes sure they are happy with the services he provides. Pak Martin has three sons. The oldest is 24, the second one is 23, and the youngest one is 18 years old.
For quite some time, Pak Martin has been very interested in becoming a Loket Ruma agent. The ones who encouraged him the most are actually all of his neighbors. The reason is that with a Loket Ruma business, he can actually provide more value-added services for his customers and generate more income for his family. His customers, who are mostly his neighbors, would come to his Warung Pinki and pay their bills. He hopes that most of the payments will be for electricity bills. This loan will serve as a damage deposit for the electronic data capture (EDC) device that as an agent, Pak Martin will use to enter payments and print receipts for customers.
About PT Ruma
PT Ruma's core business is not microfinance. Accordingly, there is some additional risk for lenders as this Field Partner expands its business model to include lending. Because PT Ruma’s business model differs from standard microfinance models, it is not assigned a risk rating on Kiva. Key risks and further information about making loans to borrowers through PT Ruma can be found on the organization’s partner page.