A loan of $1,050 helped to process more mobile phone credit sales on the weekends.


Arief's story

Arief lives north of Bogor, about two hours from Jakarta. He manages a small shop selling mobile phone airtime credit. Arief is single and lives with six persons in the family home.

Arief joined Ruma two months ago because he was interested in selling mobile phone airtime credits. With assistance and support from Ruma’s staff, Arief sees improvements in his shop. For the last two months, he has earned an average of $3 - $4 per day in mobile phone airtime credit sales.

He hopes to get a Kiva loan as working capital to process more transactions on the weekends. His goal for his business is to expand and have more new business in the future.



Loan details


Lenders and lending teams



Loan details