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Ali and his wife live in Tangerang, a city located about 30 minutes from South Jakarta. Tangerang is known as one of the satellite cities of Jakarta, where many factories of various industries are located. Ali manages several businesses, such as a small stall called a "warung" that sells snacks and drinks, and a mobile phone center that sells mobile phones, mobile phones accessories, mobile phone airtime credits, mobile phone service, and bill payment service. Ali joined Ruma because he's interested in Ruma's products.

Since he joined Ruma a month ago, Ali has made around $150 - $152 per day in sales, just from selling mobile phone airtime credits and processing bill payments for his customers. As his business continues, he would like to take out a loan for working capital from Kiva in order to boost these transactions, especially on weekends when more people tend to come to his stall. He hopes that he will be able to improve his business and seek more business opportunities. In the photo, he is sitting in his stall. Ali 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
  • 60
    View loans »
    Indonesia Loans Fundraising
  • $4,478,300
    Funds lent in using Kiva
  • 12,107.8
    Indonesia Rupiahs (IDR) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,325 helped Ali 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 24, 2013
Jan 23, 2014
Currency Exchange Loss:
Aug 8, 2014