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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 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
  • 13
    View loans »
    Indonesia Loans Fundraising
  • $5,461,825
    Funds lent in using Kiva
  • 11,488.6
    Indonesia Rupiahs (IDR) = $1 USD

Success!! The loan was 100% repaid

A loan of $350 helped Siska to process more mobile phone credit sales and bill payment transactions using a printer.
100% repaid
Repayment Term
50 months (Additional Information)
Repayment Schedule
Mar 23, 2014
Apr 24, 2014
Currency Exchange Loss:
Sep 17, 2015