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Ayati runs a small stall where she sells cell phone accessories and mobile phone airtime credits. She is an entrepreneur who has four persons living in her house. She joined Ruma six months ago because she had planned to open a small stall. She is still really excited to expand her business selling mobile phone airtime credits and servicing bill payments for customers. For the last three months, she has around $30 - 45/day in sales on average (just mobile phone airtime credit sales). As the business continues, she needs a loan for more working capital in order to be able to do transaction on weekends.

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
  • 30
    View loans »
    Indonesia Loans Fundraising
  • $5,208,900
    Funds lent in using Kiva
  • 9,691.0
    Indonesia Rupiahs (IDR) = $1 USD
Ended with Loss - Currency Exchange Loss learn more
A loan of $125 helped Ayati to obtain more float to process mobile phone credit sales and bill payments on weekends.
96% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
At end of term
Mar 8, 2013
Mar 15, 2013
Currency Exchange Loss:
Oct 23, 2013