Pak Syahrul has worked for Ruma since May 2011 as Ruma’s Field Officer. However, he joined Ruma before that as a Ruma business partner by selling Ruma’s airtime products in Cibubur area. As a field officer, he works mostly in the field to introduce Ruma’s products and recruit new business partners. He reports directly to Cibubur’s branch head. He enjoys working with Ruma because it help him to develop his abilities and support the business in rural areas.
As a branch head in Bogor Selatan, Pak Syahrul needs a motorcycle to help him run the day-to-day tasks of a branch head. This motorcycle will not only help him to improve the Bogor Barat branch but also to control and monitor his staffs, and to find a good and prospective business partner that will help to have sustained business with Ruma.
Currently, although Pak Syahrul lives on a daily basis in Bogor Selatan, his family (wife and two children) is still living in Cibubur and runs the shops selling airtime and some groceries products.
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.