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Dede runs a small stall selling mobile accessories, and mobile phone airtime credits, and processing bill payments. Dede lives in Cianjur, a semi-urban area about four hours from Jakarta. Dede is married.

Dede began working with Ruma one month ago because he wanted to increase his income and business by selling mobile airtime and servicing bill payments. He feels really excited to expand his business in selling mobile phone airtime credits and servicing bill payments. For the last month, he has around $20 - 30 per day in sales on average (just mobile phone airtime credit sales). He took a loan to get a printer from Kiva to support his business in selling mobile phone airtime credits and servicing bill payments (household electricity payment).

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
  • $5,739,450
    Funds lent in using Kiva
  • 11,438.5
    Indonesia Rupiahs (IDR) = $1 USD
Paying Back - Currency Exchange Loss

This loan has been fully funded!

A loan of $250 helped Dede to purchase a printer to process more mobile phone airtime credit transactions and bill payments.
45% repaid
Repayment Term
49 months (Additional Information)
Repayment Schedule
Mar 27, 2014
Mar 28, 2014
Currency Exchange Loss: