A loan of $350 helped to pay a deposit on an electronic data capture device for her bill pay service business.


Siti Halima's story

People in her neighborhood call this entrepreneur Ibu Halima. She owns a shop in Tangerang, Indonesia that sells a lot of goods such as snacks, mineral water, soda drinks, soaps, shampoos, and last but not least pulsa (prepaid mobile phone credits). Ibu Halima joined Ruma's network back when Ruma was still a small social enterprise, and she became the first Rekan Usaha (business partner) to Ruma.

Being one of the oldest Ruma's Rekan Usaha is the main reason why she wants to become a Loket Ruma bill payment service agent. In addition to that, she also wants to expand her business and her knowledge of entrepreneurship. With the Loket Ruma business, her prediction is that people will come to see her to pay the electricity bill and buy prepaid electrical service vouchers, and to make installment payments for motorcycles.

With four children (ages 19, 16, 9, and 6) to support on her shop's income, by becoming a Loket Ruma agent, she is hoping that the income from her three businesses (the shop, pulsa sales, and the Loket Ruma service) will increase and enable her to pay her children's tuition until the four of them graduate from college.



Loan details


Lenders and lending teams



Loan details