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Berton originally lived in Bogor, but has had to move to Tangerang to become a Ruma branch head there. He’s married and has one child; his family still lives in Bogor. Before becoming a branch head, Berton was Ruma’s field officer in Bogor. Prior to that, he was actually one of Ruma’s business partners selling pulsa.

His main job in working as an field officer was to find new people in the field who wanted to become Ruma business partners. Now as a branch head, he will be making sure his field officers do the right thing, and also managing complaints from the field, acting as the representative from Ruma’s office.

His parents work as farmers in the village, and now by becoming a branch manager he hopes that he will give a better life to the family. He hopes with this motorcycle loan, he will be able to work well and it will be easier to be in the field, especially since Tangerang is a big area here. Ruma’s network management manager believes that Berton needs a motorcycle to visit his branch’s Ruma business partners, and make sure they are satisfied with Ruma’s services.

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
  • 23
    View loans »
    Indonesia Loans Fundraising
  • $5,199,250
    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 Berton 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: