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Nofal lives in Serang, about two hours from Jakarta. Nofal manages a small shop selling mobile phone airtime credit. Nofal is married and living with her child and husband in the family home. Her child is just 2 1/2 years old.

Nofal joined Ruma 21 months ago because she believed joining with Ruma would be a great experience. With assistance and support from Ruma’s staff, Nofal sees improvements in her shop. For the last three months, she earned an average of $150 - 155 in mobile phone airtime credit sales. She hopes to get a Kiva loan as working capital to process more transactions. Her goal for her business is to expand to more new businesses in the future.

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
  • 15
    View loans »
    Indonesia Loans Fundraising
  • $5,461,825
    Funds lent in using Kiva
  • 9,924.8
    Indonesia Rupiahs (IDR) = $1 USD

Success!! The loan was 100% repaid

A loan of $375 helped Nofal 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
Jun 24, 2013
Jun 27, 2013
Currency Exchange Loss:
Jan 17, 2014