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Munah runs a small stall where she sells mobile phone airtime credits. She lives in Lebak, a semi-urban area about three hours from Jakarta. Munah is married and lives with four persons in the family home.

Munah began working with Ruma six months ago because she was interested in selling mobile airtime. She feels really excited to expand her business in selling mobile phone airtime credits. For the last three months, she has had around $31 – $32 per day in sales on average (just mobile phone airtime credit sales).

As the business continues to run, she hopes to get a Kiva loan as working capital 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 provides entrepreneurs with micro-business packages that utilize mobile phones to send and receive funds. The organization creates employment opportunities for the poor by helping them become entrepreneurs through sales of telecom and bill pay services provided by PT Ruma. Kiva loans provide these entrepreneurs with the start-up capital they need to begin operating selling these services.


About Indonesia

  • $5,200
    Average annual income
  • 15
    View loans »
    Indonesia Loans Fundraising
  • $5,461,825
    Funds lent in using Kiva
  • 11,428.8
    Indonesia Rupiahs (IDR) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,050 helped Munah to process more mobile phone credit sales on the weekends.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
At end of term
Mar 20, 2014
Mar 23, 2014
Currency Exchange Loss:
Apr 18, 2015