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Pak Syahrul has worked for Ruma since May 2011 as Ruma’s Field Officer. However, he joined Ruma before that as a Ruma business partner by selling Ruma’s airtime products in Cibubur area. As a field officer, he works mostly in the field to introduce Ruma’s products and recruit new business partners. He reports directly to Cibubur’s branch head. He enjoys working with Ruma because it help him to develop his abilities and support the business in rural areas.

As a branch head in Bogor Selatan, Pak Syahrul needs a motorcycle to help him run the day-to-day tasks of a branch head. This motorcycle will not only help him to improve the Bogor Barat branch but also to control and monitor his staffs, and to find a good and prospective business partner that will help to have sustained business with Ruma.

Currently, although Pak Syahrul lives on a daily basis in Bogor Selatan, his family (wife and two children) is still living in Cibubur and runs the shops selling airtime and some groceries products.

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
  • 68
    View loans »
    Indonesia Loans Fundraising
  • $6,263,175
    Funds lent in using Kiva
  • 9,580.0
    Indonesia Rupiahs (IDR) = $1 USD
Paying Back - Currency Exchange Loss

This loan has been fully funded!

A loan of $1,250 helped Syahrul to buy a motorcycle.
89% repaid
Repayment Term
49 months (Additional Information)
Repayment Schedule
Oct 11, 2012
Oct 19, 2012
Currency Exchange Loss: