A loan of $1,050 helped to process more airtime and bill payment transactions on a weekly basis.


Munaroh's story

Munaroh runs a small stall where she sells snacks and mobile phone airtime credits. She lives in Cilegon, a semi-urban area about 2.5 hours from Jakarta. Munaroh is married and living with four people in the family home.

Munaroh began working with Ruma five months ago because she wanted to increase her income. She feels really excited to expand her business in selling mobile phone airtime credits and servicing bill payments.

As the business runs, she hopes to get a Kiva loan as working capital in order to do more transactions on weekends.



Loan details


Lenders and lending teams




Loan details