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Ibu Dwi lives in Bogor Utara and owns two food stalls – one is located in the school cafeteria while the other is a common food street stall. She is married and has a 2-year-old daughter. The money from this loan will be used to pay for an electronic data capture (EDC) machine that is modern and newer. She loves it. With this machine, she hopes she can do bill payment transactions easily.

With an EDC machine, Ibu Dwi will be a payment point where people can buy food and also pay their monthly or other bills. The bills that have the highest demand are electricity bills, motorcycle installments, water bills and some credit card bills. She is expecting that with this EDC machine she can increase the number of payers, and in the end she can open more stalls with more Loket Ruma products. The main reason why she wants to expand her business is that she has the opportunity to be the center for payments in her neighborhood. This service is needed because sometimes it takes more time and money to be queuing in the bank or other payment points in the main street.

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
  • 42
    View loans »
    Indonesia Loans Fundraising
  • $6,157,950
    Funds lent in using Kiva
  • 9,440.0
    Indonesia Rupiahs (IDR) = $1 USD

Success!! The loan was 100% repaid

A loan of $325 helped Dwi to pay for a deposit on an electronic data capture (EDC) machine for her bill payment business.
100% repaid
Repayment Term
13 months (Additional Information)
Repayment Schedule
At end of term
Jul 3, 2012
Aug 6, 2012
Currency Exchange Loss:
Apr 2, 2013