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Rokidin runs a small stall where he sells mobile phone airtime credits and processes bill payments. He lives in Indramayu, a semi-urban area about six hours from Jakarta. Rokidin is married.

Rokidin began working with Ruma one month ago because he wanted to increase his income and business by selling mobile airtime and servicing bill payments. He feels really excited to expand his business. For the last month, he has had around $150 per day in sales on average (just mobile phone airtime credit sales).

He took a loan for getting a printer from Kiva to support his business in selling mobile phone airtime credits and servicing bill payments (household electricity payments).

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
  • 25
    View loans »
    Indonesia Loans Fundraising
  • $5,199,250
    Funds lent in using Kiva
  • 11,394.4
    Indonesia Rupiahs (IDR) = $1 USD
Paying Back - Currency Exchange Loss

This loan has been fully funded!

A loan of $250 helped Rokidin to buy a printer to process more mobile phone credit sales and bill payment transactions.
34% repaid
Repayment Term
49 months (Additional Information)
Repayment Schedule
Mar 28, 2014
Mar 29, 2014
Currency Exchange Loss: