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Tri Yuli
Ibu (Mrs.) Tri is a recent Ruma’s entrepreneur who focuses on becoming one of Loket Ruma agent. Loket Ruma is the new product line that helps our micro entrepreneur become a payment point. She calls herself a true entrepreneur who provides payment services. However, she currently doesn’t own a shop or store. So, customers come directly to her to pay their bill. Ibu Tri is married and has two children, 15 years old and 4 years old.

This EDC machine will help her to increase her payment business. She hopes people will come to her to actually buy airtime prepaid minutes and also to pay their electricity bill, buy an electricity voucher, and pay their house installment. She believes that this business will eventually add up to more income for her.

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
  • 87
    View loans »
    Indonesia Loans Fundraising
  • $5,738,675
    Funds lent in using Kiva
  • 9,380.0
    Indonesia Rupiahs (IDR) = $1 USD

Success!! The loan was 100% repaid

A loan of $325 helped Tri Yuli 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 19, 2012
Jul 5, 2012
Currency Exchange Loss:
Jul 17, 2013