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Saniman owns a mobile phone counter and a small shop. At his mobile phone counter, he sells prepaid cell phone airtime. Ruma Pulsa (or Ruma's prepaid airtime) is one of the products he sells along with sim cards and some grocery items. He is married and has four kids. Their age range is very wide, from a 9-year-old to a 29-year-old.

The reason why Saniman wants to become a Loket Ruma agent is because he has been in Ruma's network for quite some time. He sees that with this new product, he will be able to earn more income for the family. With the EDC machine, Saniman hopes that his shop will be able to be the payment point for electricity bills, motorcycle installment payments, water bills, credit card bills, and train tickets. So, his shop will have more services to offer to the customer.

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

  • $4,458
    Average annual income
  • 50
    View loans »
    Indonesia Loans Fundraising
  • $4,581,075
    Funds lent in using Kiva
  • 9,425.0
    Indonesia Rupiahs (IDR) = $1 USD

Success!! The loan was 100% repaid

A loan of $325 helped Saniman 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
Jun 13, 2012
Jun 15, 2012
Currency Exchange Loss:
Jul 17, 2013