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Siti runs small stall that sells soft drinks, snacks, coffee, cigarettes, cell phone accessories, and mobile phone airtime credits. Recently, she worked as a fabric laborer and has four persons living in her house.

She joined Ruma seven months ago. The reason she joined is because she wanted to help increase her family income. When she got introduced to Ruma the first time, she felt satisfied with the terms that Ruma offers.

Now, she feels really excited to expand her business of selling mobile phone airtime credits and facilitating bill payments for customers. For the last three months, she has had around $190 to $250 a day in sales on average (just mobile phone airtime credit sales). As the business grows, she needs 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 provides entrepreneurs with micro-business packages that utilize mobile phones to send and receive funds. The organization creates employment opportunities for the poor by helping them become entrepreneurs through sales of telecom and bill pay services provided by PT Ruma. Kiva loans provide these entrepreneurs with the start-up capital they need to begin operating selling these services.

About Indonesia

  • $5,200
    Average annual income
  • 19
    View loans »
    Indonesia Loans Fundraising
  • $5,461,825
    Funds lent in using Kiva
  • 9,691.0
    Indonesia Rupiahs (IDR) = $1 USD

Success!! The loan was 100% repaid

A loan of $225 helped Siti to process more mobile phone credit sales and bill payment transactions.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
At end of term
Mar 8, 2013
Mar 11, 2013
Currency Exchange Loss:
Oct 23, 2013