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Meet Eti. She is a housewife who has a child. They live in the family home in Cibubur, a suburban area located about 30 minutes from Jakarta.

To support her family's needs, Eti runs a small stall where she sells mobile phone accessories and mobile phone airtime credits, and services bill payments for her customers. She joined Ruma because she wants to improve her business. She is glad that her business received assistance and support from Ruma agents.

For the last three months, she has got around $61 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 mobile phone airtime credits and bill payment transactions on weekends when more people tend to come to her stall. In the future, she is planning to seek more business opportunities. In the photo, Eti is standing in front of her small stall. She 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

  • $4,458
    Average annual income
  • 47
    View loans »
    Indonesia Loans Fundraising
  • $4,591,375
    Funds lent in using Kiva
  • 11,944.6
    Indonesia Rupiahs (IDR) = $1 USD

Success!! The loan was 100% repaid

A loan of $850 helped Eti to process more mobile phone airtime credits and bill payment transactions on weekends.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
At end of term
Dec 23, 2013
Jan 22, 2014
Currency Exchange Loss:
Aug 8, 2014