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Suwirka just began working with Ruma on July 25, 2013 to run Ruma’s new business cashing in and cashing out customer’s money for Ruma’s bank partner. As a new agent in Ruma, Suwirka needs a Kiva loan for working capital to start his new business. Suwirka wishes this new business to be another source of his family's income.

Suwirka lives in Pesagi, Penebel, Bali, a rural area about four hours from Denpasar. Suwirka is married and has two children. He lives with four people in the family house.

Prior to joining Ruma, Suwirka worked as a civil employee and farmer.

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
  • 26
    View loans »
    Indonesia Loans Fundraising
  • $6,133,025
    Funds lent in using Kiva
  • 10,315.5
    Indonesia Rupiahs (IDR) = $1 USD

Success!! The loan was 100% repaid

A loan of $500 helped Suwirka to process branchless banking products.
100% repaid
Repayment Term
7 months (Additional Information)
Repayment Schedule
At end of term
Jul 25, 2013
Aug 21, 2013
Currency Exchange Loss:
Jan 17, 2014