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Agus runs a small stall, which sells phone accessories and mobile phone airtime credits. Agus lives in Cianjur, a rural area about 4 hours from Jakarta. Agus is married and living with four people in the family home. His wife is a housewife.

Agus begin working with Ruma because he wants to explore his business more. He feels really excited to expand his only business selling mobile phone and airtime credits as his only and major source of income for the family. As the business runs, he hopes to get a Kiva loan as working capital loan in order to do more transactions.

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
  • 32
    View loans »
    Indonesia Loans Fundraising
  • $5,197,675
    Funds lent in using Kiva
  • 11,739.0
    Indonesia Rupiahs (IDR) = $1 USD
Ended with Loss - Currency Exchange Loss learn more
A loan of $600 helped Agus to process more airtime and bill payment transactions on a weekly basis.
93% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
At end of term
Jul 6, 2014
Aug 10, 2014
Currency Exchange Loss:
Aug 17, 2015