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

Gyna's story

Gyna is a young woman in her very early 20s that lives in Bogor Selatan. Bogor Selatan is a city around 1 hours' driving from Indonesia’s capital city, Jakarta. Although she is young, as in most Indonesian traditional families, she is married and has two children. Her first one has passed away, and now her second child is 2 years old.

Gyna owns a small shop selling Indonesian household needs starting with grocery items like rice, eggs, cooking oil and margarine, and going onto toiletries, cleaning tools and, of course, airtime prepaid minute. By selling airtime prepaid minutes, she met with Ruma [Kiva's Field Partner].

Since Ruma began bringing more income into her family by selling the minutes, Gyna agreed to try Ruma’s new product. This new product will help Gyna serve customers better from her shop. It is called a Loket Ruma business. The premise in becoming a Loket Ruma agent is to provide a bill payment service for customers. Gyna hopes that people will come to her shop, not only to buy groceries or prepaid minutes, but also to pay electricity bills and motorcycle installments, to buy electricity vouchers for new house types and, last but not least, to pay credit card bills. She will be using an electronic data capture (EDC) machine to help create the payment transaction. This loan from Kiva will be used to pay the guarantee deposit money for an EDC.

The reason she wants to give the new product a try is to expand her business to the next level by maximizing what she can give to her customers. Another thing is: because this is an emerging product in the community. The EDC machine is simple, affordable capital. Ruma’s money collection system allows Gyna to stay in her shop and Ruma’s field officer comes to collect the money to become her capital again. She loves it!

Loan details

Lenders and lending teams

Loan details