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Saefulloh is a married man who lives with his wife and his one-year-old son in Yogyakarta. Saefulloh’s wife is a fulltime housewife. Saefulloh works in a garment factory. To support his family, Saefulloh needs to find another source of income. Saefulloh joined Ruma a month ago and he decided to start out selling mobile airtime. As the business runs, he hopes to get a working capital loan from Kiva to enable him to process more airtime sales on the weekends. This loan would help him run his mobile airtime business and consequently support his plan to seek more business opportunities in the future. He thanks you for your support.

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

  • $4,458
    Average annual income
  • 60
    View loans »
    Indonesia Loans Fundraising
  • $4,491,425
    Funds lent in using Kiva
  • 11,699.5
    Indonesia Rupiahs (IDR) = $1 USD
A loan of $1,050 helped Saefulloh to process more mobile airtime credit transactions on weekends.
Repayment Term
14 months (Additional Information)
Repayment Schedule
At end of term
Jul 18, 2014
Aug 23, 2014
Currency Exchange Loss:
Sep 22, 2014