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Endang lives in Bogor, about two hours from Jakarta. Bogor is known as the city of rain. Endang manages a small shop selling snacks, drinks, drinking water, and mobile phone airtime credit. Endang is single and living with five persons in the family home. Her siblings are all in school.

Endang joined Ruma six months ago because he wants to expand his business selling mobile phone airtime credit. With assistance and support from Ruma’s staff, Endang has seen improvements in his shop. For the last three months, he has earned an average of $60 - $90 /day in mobile phone airtime credit sales. He hopes to get a Kiva loan as working capital to process more transactions. His goal for his business is to expand and have more and more business opportunities with Ruma, especially increasing his down-liners.

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
  • 16
    View loans »
    Indonesia Loans Fundraising
  • $5,461,825
    Funds lent in using Kiva
  • 9,766.9
    Indonesia Rupiahs (IDR) = $1 USD

Success!! The loan was 100% repaid

A loan of $225 helped Endang 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
Apr 29, 2013
May 26, 2013
Currency Exchange Loss:
Nov 17, 2013