Total loan: $1,150


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Tangerang, Banten, Indonesia / Services

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A loan helped to provide more mobile services in his community.

Nurdin's story

Hello, lenders! Meet Nurdin, one of the Ruma agents who live in Tangerang. Tangerang is a city located at the south of Jakarta. In the photo, Nurdin is posing with his beautiful six-year-old daughter. His wife is a stay-at-home mom. As the head of the family, Nurdin’s main job is an employee at a small company in Jakarta, but as a side job he also sells mobile phone airtime credits and services utility bill payments to his surrounding community. He started out with this business since he joined Ruma about four months ago. He was excited to become a Ruma agent, because not only it gives additional income, but he also learned about utilizing technology to give access to mobile payment services to people in the peri-urban area where he lives now. As the business runs, Nurdin is hoping to get a working capital loan from Kiva. He will use the capital to process more mobile airtime credits and utility bill payments transactions, especially on the weekends. In the future, Nurdin plans to improve the new product he serves, which is ‘e-commerce’ for low income communities. This is a new business model from Ruma that aims to help people get access to good quality products with better prices. The product ranges from fashion products, house and kitchenwares, to gadgets and school supplies. To buy one, people only have to pick what they want to buy from the product list in the catalogue. After that, they can go to Nurdin or any other certified Ruma agent nearby their houses to make the order and payment. The product will be delivered right to the customer’s door.