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Rahmat is one of Ruma's micro enterpreneurs that has a small shop in Serang. Serang itself is about a one or one and half hour drive from Jakarta. In Serang, he is not only selling Ruma's prepaid cell phone airtime but also sells a couple of types of fertilizers. He is married and has one child.

By becoming a Loket Ruma agent, Rahmat is expecting to become a payment point. Meaning that he will be using the EDC machine to provide a bill payment service in his shop. He is hoping that people (old and new customers) will come to him to pay their motorcycle installments, electricity bills (prepaid and post-paid), land-line phone bills, and Internet bills. In the end he is hoping that by becoming a Loket Ruma agent, his business will expand.

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
  • 9,450.5
    Indonesia Rupiahs (IDR) = $1 USD

Success!! The loan was 100% repaid

A loan of $325 helped Rahmat to pay for a deposit on an electronic data capture (EDC) machine for his bill payment business.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
At end of term
Jun 14, 2012
Jun 15, 2012
Currency Exchange Loss:
Mar 26, 2013