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

Rony's story

Bapak Rony owns a small shop next to his house in Cibubur, Indonesia. Cibubur itself is a suburban area around Jakarta that takes about 30-45 minutes [driving] during normal hours. His small shop sells basic grocery items such as rice, gas, cooking oil, eggs, noodles, snacks, drinks, and toiletries. And, of course – last but not least – he is selling airtime prepaid minutes.

The reason Bapak Rony wanted to try Ruma’s new product, Loket Ruma, is because he wanted to generate more income for his family. By becoming a Loket Ruma agent, he will be able to provide his customers with a bill payment service that is a new business around his area. Customers and his neighbors will be able to pay their personal or household bills in his small shop. He will be able to create the payment transaction by using an electronic data capture (EDC) machine. This machine will connect its server and pay the customer's bill automatically, so they no longer need to go to the bank and waste their time.

This loan from Kiva will be given to him to pay the guarantee deposit money in order to own this EDC machine. He hopes by having this new service product in his shop, Bapak Rony will be able to expand his business. He is expecting new customers to come to him to pay their electricity bill, water bill and motorcycle installments.

Loan details

Lenders and lending teams

Loan details