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Mar’ah runs a small stall which sells snacks, drinks, and mobile phone airtime credits. Mar’ah lives in Bogor, a peri-urban area about two hours from Jakarta. Mar’ah is married and living with four persons in the family home.

To increase the family income, Mar’ah also works as a dealer. She joined Ruma twelve months ago because she wanted to increase her income. She feels really excited to expand her business in selling mobile phone airtime credits and processing bill payments for customers. For the last three months, she has earned an average of $25/day in mobile phone airtime credit sales.

Mar’ah is starting to process electricity bill payments for her customers. This is a much-needed service in the area and will increase her income. To provide this new service, Mar’ah is required to print out receipts for customers. A Kiva loan will help her to purchase this printer, so she will be able to offer the new service.

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
  • 30
    View loans »
    Indonesia Loans Fundraising
  • $5,306,625
    Funds lent in using Kiva
  • 9,801.8
    Indonesia Rupiahs (IDR) = $1 USD
Paying Back - Currency Exchange Loss

This loan has been fully funded!

A loan of $250 helped Mar'ah to purchase a printer for printing out required receipts for mobile phone credit sales and bill payment transactions.
58% repaid
Repayment Term
49 months (Additional Information)
Repayment Schedule
May 6, 2013
Jun 6, 2013
Currency Exchange Loss: