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Dede owns a prepaid cell phone airtime shop (a Warung Pulsa). The shop is located in Tangerang. Other than the prepaid airtime business, Dede also became a water gallon reseller. Meaning, people will come and ask him to send and replace their drinking water in their house. By offering an electronic bill payment point with Loket Ruma he will generate more income for himself and his family.

The reason why he wants to add Loket Ruma to his business is because he sees the market and high demand for it in his neighborhood. All his neighbors will come to him and pay all their bills in his shop. He believes that the all the neighbors will use his new bill payment service to pay their electricity bills, motorcycle installments, and post-paid mobile phone bills. Sometimes, with his oldest son, he will stand by in the shop and serve the customers. His second child is only nine months old.

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
  • 31
    View loans »
    Indonesia Loans Fundraising
  • $5,206,950
    Funds lent in using Kiva
  • 9,330.0
    Indonesia Rupiahs (IDR) = $1 USD

Success!! The loan was 100% repaid

A loan of $325 helped Dede to pay for a deposit on an electronic data capture (EDC) machine for his bill payment business.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
At end of term
May 22, 2012
Jun 3, 2012
Currency Exchange Loss:
Jun 17, 2013