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Ibu Yusrida is one of Ruma's RU (Rekan Usaha, or business partner) in North Bogor, West Java, Indonesia. She lives with her husband, Sidik, and two children ages 14 and 9. Ibu Yusrida and her husband own a warung (shop) that sells basic goods such as: rice, cooking oil, instant noodles, candies, soaps, shampoos, syrups, pulsa (prepaid mobile phone credits), and other items.

She's been a micro-entrepreneur for quite some time. Her husband and her see this opportunity to build and expand the business to become a payment point and get more customer that they can serve. She is expecting that people will come to her warung and pay their electricity bill, buy prepaid electricity credits, or pay motorcycle installments.

In the end, she really hopes that with this new business line she will grow the business and generate more income for the family, so the family's living standards could actually increase.

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
  • 23
    View loans »
    Indonesia Loans Fundraising
  • $6,137,150
    Funds lent in using Kiva
  • 9,180.0
    Indonesia Rupiahs (IDR) = $1 USD

Success!! The loan was 100% repaid

A loan of $350 helped Yusrida to pay for a deposit on an electronic data capture (EDC) machine for her bill payment business.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
At end of term
May 15, 2012
May 18, 2012
Currency Exchange Loss:
Mar 15, 2013