Check out some available loans that are similar to this one!
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 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
  • 20
    View loans »
    Indonesia Loans Fundraising
  • $5,461,825
    Funds lent in using Kiva
  • 11,739.0
    Indonesia Rupiahs (IDR) = $1 USD

Success!! The loan was 100% repaid

A loan of $600 helped Agus to process more airtime and bill payment transactions on a weekly basis.
100% 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