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Siska runs a small stall which sells mobile phone airtime credits and mobile accessories. She has been running this stall for onr year. Siska lives in Solo, a semi-urban area about 15 hours by car from Jakarta. Siska is married.

To increase the family income, Siska also works as a dealer. She joined Ruma four months ago to increase her income and feels really excited to expand her business selling mobile phone airtime credits and processing bill payments for customers.

Siska is starting to process electricity bill payments for her customers, which is a much needed service in the area and will increase her income. To provide this new service, Siska is required to print out receipts for customers. A Kiva loan will help her purchase this printer and be able to offer the new service.

Additional Information

More information about this loan

These printer and Android phone loans enable PT Ruma agents to process electricity bill payments for customers and provide them with printed receipts. This Kiva loan will be used to provide borrowers with needed goods or services, as opposed to cash or financial credit. By funding this loan, you are providing PT Ruma agents with a means to process payments and helping entrepreneurs increase their capacity.

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
  • 11,488.6
    Indonesia Rupiahs (IDR) = $1 USD
Paying Back - Currency Exchange Loss

This loan has been fully funded!

A loan of $350 helped Siska to process more mobile phone credit sales and bill payment transactions using a printer.
68% repaid
Repayment Term
50 months (Additional Information)
Repayment Schedule
Mar 23, 2014
Apr 24, 2014
Currency Exchange Loss: