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Ibu Siti is how people generally call her. She lives in Cilegon, about 2-2.5 hours drive in normal traffic from Jakarta. She owns a shop that sells some basic items like sugar, coffee, milk, tea, thick soya sauces, spices and some snacks. She is married and has three kids, ages 11, 9 and 7 years old. Her husband works as an employee for a private company.

By becoming a Loket Ruma agent, Ibu Siti will not only be known as a woman who sells goods, but also a service provider with a payment point. Loket Ruma is an important service product that allows the agent to be a payment point. It means the customer will come to Ibu Siti not only to buy goods but also to pay their monthly bills or buy prepaid items – such as electricity bills, water bills, post paid phone bills and also prepaid airtime minutes. The electronic data capture is a machine that helps Ibu Siti to create payment/buying transactions in her shop.

A payment point like Ibu Siti's is needed in her neighbourhood because it is really hard to access banks and ATMs, the electricity hub, water company or post office as they are far away. It will cost more money and is time consuming for people to go to there. Therefore, by having this new service product, she hopes it will make it easier for people to pay bills and reach the target of transactions.

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
  • 18
    View loans »
    Indonesia Loans Fundraising
  • $5,288,425
    Funds lent in using Kiva
  • 9,450.0
    Indonesia Rupiahs (IDR) = $1 USD

Success!! The loan was 100% repaid

A loan of $325 helped Siti to pay for a deposit on an electronic data capture (EDC) machine for her bill payment business.
100% repaid
Repayment Term
13 months (Additional Information)
Repayment Schedule
At end of term
Jul 2, 2012
Aug 6, 2012
Currency Exchange Loss:
Apr 2, 2013