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Irfan used to be Ruma’s business partner before he decided to become Ruma’s field officer when he got a text message from his field officer in Serang. The offer gave him an opportunity to join Ruma as a Field Officer. He has been working as a field officer for 1.5 years. He enjoys Ruma because of the kinship value in this social enterprise. Irfan is married with a 3-year-old child, who lives also with his wife in Serang. His wife is a housewife.

As a branch head in Bogor Barat, Irfan needs to live in another city that takes more than 3-4 hours by motorcycle. This motorcycle will not only help him improve the Bogor Barat branch but also control and monitor his staff, finding good prospective Ruma business partners that will help to have sustained business with Ruma.

Ruma’s network management manager recommended Irfan because the branch head needs to have the capacity to control both the office and their field officers, and also the field. And a motorcycle is the best tool for Irfan to manage all of his roles and responsibility.

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
  • $5,293,200
    Funds lent in using Kiva
  • 9,651.5
    Indonesia Rupiahs (IDR) = $1 USD
Paying Back - Currency Exchange Loss

This loan has been fully funded!

A loan of $1,225 helped Irfan to buy a motorcycle to use as transportation for managing his branch office and its area.
72% repaid
Repayment Term
49 months (Additional Information)
Repayment Schedule
Oct 11, 2012
Oct 22, 2012
Currency Exchange Loss: