Check out some available loans that are similar to this one!
Yudi runs a small stall selling mobile phone airtime credits. Yudi lives in Lebak, a semi-urban area about three hours from Jakarta. Yudi is single.

Yudi began working with Ruma one year ago because he was interested in selling mobile airtime credits. He feels really excited to expand his business in selling mobile phone airtime credits. For the last three months, he has around $67 – 68 per day in sales on average (just mobile phone airtime credit sales). As the business continues to run, he hopes to get a Kiva loan for working capital loan 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'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
  • $4,586,850
    Funds lent in using Kiva
  • 11,310.6
    Indonesia Rupiahs (IDR) = $1 USD
Paying Back

This loan has been fully funded!

A loan of $1,150 helped Yudi to process more mobile phone credit sales on the weekends.
0% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
At end of term
Mar 19, 2014
Mar 21, 2014
Currency Exchange Loss: