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Arfan lives in Cibubur, a semi-urban area about an hour from Jakarta. Arfan is married and lives with three persons in the family home.

Arfan runs a small stall that sells mobile phone airtime credits. Arfan began working with Ruma a year ago because he wanted to try the mobile air time business. He feels really excited to expand his business in selling mobile phone airtime credits and serving bill payments. For the last 3 months, he has around $50 to $60 in sales on average (just mobile phone airtime credit sales). As the business runs, he hopes to get a Kiva loan as working capital in order to do more transactions 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
  • 13
    View loans »
    Indonesia Loans Fundraising
  • $5,458,950
    Funds lent in using Kiva
  • 9,924.8
    Indonesia Rupiahs (IDR) = $1 USD

Success!! The loan was 100% repaid

A loan of $225 helped Arfan 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 23, 2013
Jun 28, 2013
Currency Exchange Loss:
Jan 17, 2014