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Dwi lives in Tangerang, but now he has been posted for more than 6 months to Jakarta Utara as a branch head. To travel from his hometown area, it takes about 2-2.5 hours by car to go back and forth. Before becoming a branch head, he worked in Ruma’s Tangerang branch; his first day was 1.5 years ago. Dwi is married and has one child. His wife is an employee.

As a field officer, he only worked to manage Ruma’s business partners. But as a branch head, it is not only Ruma’s business partners he needs to manage, but also the field officers in the branch and their partners. This means a lot to him, because the more titles you have, the greater your roles and responsibilities.

Ruma’s managers recommend him because he has a good attitude and really needs to have a motorcycle loan to help Ruma reach its vision which is helping the poor. And the motorcycle will definitely do that.

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
  • $5,203,550
    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 Dwi to buy a motorcycle and use it as transport while managing the Ruma branch and its area.
64% repaid
Repayment Term
49 months (Additional Information)
Repayment Schedule
Oct 11, 2012
Oct 22, 2012
Currency Exchange Loss: