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Rini is a housewife living with five persons in the family home in Cilegon. Cilegon is known as The City of Steel and is located about a three-hour drive from Jakarta.

Rini owns a small stall that sells mobile phone airtime credits and services bill payments. For Rini, doing business in selling mobile phone airtime with Ruma is pretty helpful, especially when she needs urgent cash to fulfill family needs. She felt interested in joining Ruma because of her friend's recommendation. Ever since, her business has been assisted and supported by Ruma agents.

For the last three months, she has had around $125-$126 per day in sales on average just from selling mobile phone airtime credits. She hopes to get a working capital loan from Kiva to process more transactions on weekends.

In the future, Rini hopes that she will be able to improve her business and seek more business opportunities. Rini thanks you for your support.

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

  • $5,200
    Average annual income
  • 23
    View loans »
    Indonesia Loans Fundraising
  • $5,199,250
    Funds lent in using Kiva
  • 12,116.4
    Indonesia Rupiahs (IDR) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,075 helped Rini 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
Jan 6, 2014
Jan 6, 2014
Currency Exchange Loss:
Aug 17, 2014