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Nonik lives in the Cibubur area. She lives with her parents, is not married, and is still in college. Her parents used to own the business that sells new SIM cards, and also a Ruma’s product. The first Ruma’s product they sell is airtime prepaid minutes.

The reason why Nonik decided to become a Loket Ruma agent is because she wants to serve her customer as a place or agent point where they can pay their monthly electricity bill. Other than this service, she hopes that people will come to her shop to pay their electricity voucher, telecommunication monthly bill, motorcycle installments, and internet monthly bill.

Hopefully, by becoming a Loket Ruma agent, Nonik will be able to earn money to pay her college tuition.

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
  • 25
    View loans »
    Indonesia Loans Fundraising
  • $5,199,250
    Funds lent in using Kiva
  • 9,410.0
    Indonesia Rupiahs (IDR) = $1 USD

Success!! The loan was 100% repaid

A loan of $325 helped Nonik to pay for a deposit on an electronic data capture (EDC) machine for her bill payment business.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
At end of term
Jun 19, 2012
Jun 20, 2012
Currency Exchange Loss:
Mar 27, 2013