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Ibu (Mrs.) Ernawati owns the shop and she shares the burden with her husband. Most of the time, you can also find Ibu Ernawati’s husband standing by in the shop because his works depends on orders. Ibu Ernawati and her husband have only one child. Their child is 32 months old.

The reason why Ibu Ernawati wants to be a Loket Ruma agent is because in their neighborhood, it’s rare to find a payment point for electricity that prints a receipt every time the customer buys the electricity products from Indonesia's electricity company called PLN. Other than that, with the EDC machine that they will have, Ibu Ernawati and her husband will also be able to buy electricity vouchers, house installments, and motorcycle installments.

In the long run, this will not only generate more income for the family, but Ibu Ernawati hopes that the business will be sustained and will be able to serve more people in the neighborhood.

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
  • 65
    View loans »
    Indonesia Loans Fundraising
  • $6,300,575
    Funds lent in using Kiva
  • 9,410.0
    Indonesia Rupiahs (IDR) = $1 USD

Success!! The loan was 100% repaid

A loan of $325 helped Ernawati 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
Jun 18, 2012
Jul 13, 2012
Currency Exchange Loss:
Jul 17, 2013