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

Siti's story

Ibu Siti is how people generally call her. She lives in Cilegon, about 2-2.5 hours drive in normal traffic from Jakarta. She owns a shop that sells some basic items like sugar, coffee, milk, tea, thick soya sauces, spices and some snacks. She is married and has three kids, ages 11, 9 and 7 years old. Her husband works as an employee for a private company.

By becoming a Loket Ruma agent, Ibu Siti will not only be known as a woman who sells goods, but also a service provider with a payment point. Loket Ruma is an important service product that allows the agent to be a payment point. It means the customer will come to Ibu Siti not only to buy goods but also to pay their monthly bills or buy prepaid items – such as electricity bills, water bills, post paid phone bills and also prepaid airtime minutes. The electronic data capture is a machine that helps Ibu Siti to create payment/buying transactions in her shop.

A payment point like Ibu Siti's is needed in her neighbourhood because it is really hard to access banks and ATMs, the electricity hub, water company or post office as they are far away. It will cost more money and is time consuming for people to go to there. Therefore, by having this new service product, she hopes it will make it easier for people to pay bills and reach the target of transactions.

Loan details

Lenders and lending teams

Loan details