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Bachtiar has been working with Ruma for 20 months. He started with Ruma because he was interested to become Ruma’s business partner in Tangerang. When his Field Officer offered a job with Ruma, he accepted. That was his first time becoming Ruma’s employee. His parent works in also warung business. As a field officer he managed his Ruma business partner. But now, he is serving as a branch head in Ruma’s Bogor Utara branch. In his position, he needs to manage the office, control field officers and their profit. He is very proud to be in Ruma because he can contribute to the development of the social enterprise.

With this motorcycle loan, Bachtiar and Ruma’s network management manager believe that the motorcycle will help Bachtiar to expand and visit the field more.

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
  • 87
    View loans »
    Indonesia Loans Fundraising
  • $6,318,525
    Funds lent in using Kiva
  • 9,651.5
    Indonesia Rupiahs (IDR) = $1 USD
Paying Back - Currency Exchange Loss

This loan has been fully funded!

A loan of $1,225 helped Bachtiar to buy a motorcycle and use it as transport while managing the branch and its area.
89% repaid
Repayment Term
49 months (Additional Information)
Repayment Schedule
Oct 11, 2012
Oct 22, 2012
Currency Exchange Loss: