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Meet Sukarta. He is a hardworking man who lives with his wife in Depok, a satellite city located at the south of Jakarta. Currently, Sukarta and his wife do not have a child but they are planning to. To meet his family's needs, Sukarta runs a small stall that sells mobile phone accessories, mobile airtime credits and some snacks and drinks. He began working with Ruma 6 months ago because he wanted to increase his income and he's also interested in expanding his networks. For the last two months, Sukarta's daily transaction from selling mobile phone airtime credits can be up to 75 per day and is expected to grow more, especially on the weekends. As the business continues, he hopes to get a working capital loan from Kiva. In the photo, Sukarta is standing in front of his small stall.

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
  • 30
    View loans »
    Indonesia Loans Fundraising
  • $5,197,675
    Funds lent in using Kiva
  • 11,518.0
    Indonesia Rupiahs (IDR) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,050 helped Sukarta to process more mobile airtime credit sales on the weekends.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
At end of term
Jun 24, 2014
Jul 30, 2014
Currency Exchange Loss:
Oct 17, 2014