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Roni runs a small stall selling snacks, drinks, homemade food, and mobile phone airtime credits. He is an entrepreneur and has four peoples living in his house. He joined Ruma 10 months ago because he wanted to increase his income and still feels really excited to expand his business selling mobile phone airtime credits and servicing bill payments for the customers. For the last three months, he has around $68/day sales on average (just mobile phone airtime credit sales). As the business runs, he 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'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

  • $4,458
    Average annual income
  • 45
    View loans »
    Indonesia Loans Fundraising
  • $4,581,075
    Funds lent in using Kiva
  • 9,733.0
    Indonesia Rupiahs (IDR) = $1 USD
Ended with Loss - Currency Exchange Loss learn more
A loan of $175 helped Roni to obtain working capital to process mobile phone credit sales and bill payment transactions on weekends.
96% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
At end of term
Mar 22, 2013
Mar 28, 2013
Currency Exchange Loss:
Oct 23, 2013