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PT. RUMA (REKAN USAHA MIKRO ANDA) ONADB INCLUSION BUSINESS FORUM

Salma Desenta – Head of Transaction Services

@ruma_idOctober 2012

1

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Human Network

2

We manage a microfranchisenetwork of 4,000+ active agents

selling airtime/pulsa

and processing bill

payments

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RUMA is bridging the gap between micro entrepreneurs withlarge companies

3

PLN

Products

Information

Tablet Printer

Large companies Micro entrepreneurs

(*) for illustrative purpose 

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Ibu Halima…is a typical Ruma agent

selling airtime/pulsa

alongside fast movingconsumer goods at her

warung.

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The prepaid minutes product was a success, increasing her incomeby more than 60%

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Margin for Air time

Ibu Halimah

Before joining Ruma she made her incomeselling daily goods at her small shop

Her income increased by 60% byselling prepaid minutes

$1,88 $1,88

$1,04

$-

$0,50

$1,00

$1,50

$2,00

$2,50

$3,00

$3,50

Before After  

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+60%increase in her income has

Ibu Halimah hungry for

new lines of business

Now accept various bill payments:

electricity, water, motorcycle loan

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We extend the benefit of RUMA network to other member of thehousehold 

Blue collar job vacancies

Pre-filtered to ensure legitimate

vacancies

Using techno friendly solution

•  SMS

• Customized web for cellphone

What is Kerja Lokal? No  Job Categories

1  Buruh Bangunan/ Tukang 

2  Guru Les/ Privat/ Kursus 

3  Kasir/ Keuangan

4  Kemanan/Satpam 

5  Koki 

6  Mekanik/Montir  

7  Pekerja Pabrik

8  Pelayanan Restoran

9  Pembantu RT 

10  Perawat/Baby Sitter  

11  Sales / Mareketing / SPG 

12  Staf Umum / Admin / Resepsionis / CallCenter  

13  Supir  

14  Lainnya 

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RUMA is bridging the gap between micro entrepreneurs withlarge companies

8

PLN

Products

Information

Tablet Printer

Large companies Micro entrepreneurs

(*) for illustrative purpose 

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Ruma is deploying tablets that can collect detailed informationfrom retailers and customers

Information can be used formany purposes… 

 Advertising

Engagement

Market intelligence

Couponing

Purchase tracking

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We are able to capture photos and GPS mapping using oursurvey tools

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Flows of products and information create virtuous cycle,benefitting the ecosystem

11

PLN

Products

Information

Tablet Printer

Large companies Micro entrepreneurs

(*) for illustrative purpose 

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We have steadily grown our agents based~4,000 active agents in 12 branches

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Agent Recruitment History# of Agents

3,831

1,408

Jul 2012

+172%

Jun 2012Sep 2011 May 2012Apr 2012Mar 2012Nov 2011Oct 2011 Feb 2012Jan 2012Dec 2011Aug 2011 … 2014

20,000

Net Active Agents: Agents that had conducted transactions in last month

With current agents, we’re able to reach 

~1.7 Mn customers in total

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www.ruma.co.id 

@ruma_id

THANK YOU