A loan of $325 helped to pay for a deposit on an electronic data capture (EDC) machine for his bill payment business.


Feri's story

Feri, that is how the community around his area calls him. He is a young man, in his early 20s, and he owns the high spirit to become an enterpreneur. He chose Ruma [Kiva's Field Partner] as his first step. He lives in the eastern part of Jakarta and currently owns an airtime business only. Even when it was still a small business, his shop was nice and clean. So people are interested to come to his shop.

Basically, he needs a loan that will help to expand his business to a higher level using a new product from Ruma. The name of the product is Loket Ruma. Loket Ruma is a bill payment service that will help people to pay their household (or sometimes their small businesses) bills using Ruma’s microenterpreneur. Loket Ruma uses electronic data capture to create the payment transactions. The money will be used by Feri to pay the guarantee deposit money to Ruma.

With this new product, his neighbors will be able to pay their monthly electricity bill, phone land lines bills and motorcycle installments through him. No need to be in line at the bank! In the future, he hopes that he will be a successful businessman, starting from what he has right now.



Loan details


Lenders and lending teams



Loan details