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Siti Halima
People in her neighborhood call this entrepreneur Ibu Halima. She owns a shop in Tangerang, Indonesia that sells a lot of goods such as snacks, mineral water, soda drinks, soaps, shampoos, and last but not least pulsa (prepaid mobile phone credits). Ibu Halima joined Ruma's network back when Ruma was still a small social enterprise, and she became the first Rekan Usaha (business partner) to Ruma.

Being one of the oldest Ruma's Rekan Usaha is the main reason why she wants to become a Loket Ruma bill payment service agent. In addition to that, she also wants to expand her business and her knowledge of entrepreneurship. With the Loket Ruma business, her prediction is that people will come to see her to pay the electricity bill and buy prepaid electrical service vouchers, and to make installment payments for motorcycles.

With four children (ages 19, 16, 9, and 6) to support on her shop's income, by becoming a Loket Ruma agent, she is hoping that the income from her three businesses (the shop, pulsa sales, and the Loket Ruma service) will increase and enable her to pay her children's tuition until the four of them graduate from college.

Additional Information

More information about this loan

Working capital loans enable credit-worthy borrowers to reach their full sales potential. Every agent maintains a balance of electronic credit with Ruma to process transactions. But if this balance is zero and no Ruma field officers are available to replenish it, an agent may miss out on sales. Working capital loans solve this problem by serving as a line of credit that agents can repay as needed during the loan term, ensuring that they don't lose potential income. PT Ruma will progressively disburse the amount posted on Kiva based on the agent's working capital needs, ensuring that no potential income is lost. By funding this loan, you are empowering urban and rural entrepreneurs.

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.

About Indonesia

  • $5,200
    Average annual income
  • 24
    View loans »
    Indonesia Loans Fundraising
  • $5,200,225
    Funds lent in using Kiva
  • 9,180.0
    Indonesia Rupiahs (IDR) = $1 USD

Success!! The loan was 100% repaid

A loan of $350 helped Siti Halima to pay a deposit on an electronic data capture device for her bill pay service business.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
At end of term
May 15, 2012
May 18, 2012
Currency Exchange Loss:
Mar 15, 2013