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Syafrudin and other four family members live together in a family home in Serang, a suburban area located about three hours from Jakarta, the capital city. Syafrudin is a single man who manages a small stall called a "warung" that sells snacks, drinks, groceries, and mobile phone airtime credits. He joined Ruma because he wanted to improve his business so he can put aside the extra money for family savings. Syafrudin hopes to get a working capital loan from Kiva because he sees more opportunities to boost up these transactions, especially on weekends. For the last three months, his average sales were about $30 - $31 per day just from selling mobile phone airtime credits. He also seeks other business opportunities for the future, such as processing bill payments for his customers. In the photo, Syafrudin is standing in his stall. Syafrudin 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
  • 31
    View loans »
    Indonesia Loans Fundraising
  • $5,197,675
    Funds lent in using Kiva
  • 11,929.0
    Indonesia Rupiahs (IDR) = $1 USD

Success!! The loan was 100% repaid

A loan of $350 helped Syafrudin to process more mobile phone airtime credits on weekends.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
At end of term
Jan 20, 2014
Jan 19, 2014
Currency Exchange Loss:
Aug 17, 2014