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Adah, her husband, and her three children live in Cianjur, a city situated at the foot of Mount Gede-Pangrango, West Java. Adah's husband works as a construction worker.

To support her family living, Adah runs a small shop that has snacks, drinks, and mobile phone airtime credits. She joined Ruma because she wanted to try out a mobile airtime business. She feels really excited to expand her business in selling mobile phone airtime credits.

As the business runs, she hopes to get a working capital loan from Kiva in order to do more transactions on weekends.

In the photo, Adah is sitting in front of her small shop.

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
  • 59
    View loans »
    Indonesia Loans Fundraising
  • $4,491,425
    Funds lent in using Kiva
  • 11,699.5
    Indonesia Rupiahs (IDR) = $1 USD
Paying Back

This loan has been fully funded!

A loan of $300 helped Adah to process more mobile airtime credit transactions on weekends.
0% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
At end of term
Jul 19, 2014
Aug 24, 2014
Currency Exchange Loss: