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PT. RUMA (REKAN USAHA MIKRO ANDA) ON ADB INCLUSION BUSINESS FORUM
October 2012
Salma Desenta Head of Transaction Services @ruma_id

Human Network
We manage a microfranchise network of 4,000+ active agents selling airtime/pulsa and processing bill payments

RUMA is bridging the gap between micro entrepreneurs with large companies
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Large companies

Products

Micro entrepreneurs

PLN

Tablet

Printer

(*) for illustrative purpose

Information

Ibu Halima
is a typical Ruma agent selling airtime/pulsa alongside fast moving consumer goods at her warung.

The prepaid minutes product was a success, increasing her income by more than 60%
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Ibu Halimah

Her income increased by 60% by selling prepaid minutes

$3,50 $3,00 $2,50 $2,00 Margin for Air time $1,04

$1,50
$1,00 $0,50 $$1,88 $1,88

Before joining Ruma she made her income selling daily goods at her small shop

Before

After

+60%
increase in her income has Ibu Halimah hungry for new lines of business

Now accept various bill payments: electricity, water, motorcycle loan

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

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What is Kerja Lokal?

Blue collar job vacancies Pre-filtered to ensure legitimate

vacancies

Using techno friendly solution

SMS Customized web for cellphone

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Job Categories Buruh Bangunan/ Tukang Guru Les/ Privat/ Kursus Kasir/ Keuangan Kemanan/Satpam Koki Mekanik/Montir Pekerja Pabrik Pelayanan Restoran Pembantu RT Perawat/Baby Sitter Sales / Mareketing / SPG Staf Umum / Admin / Resepsionis / Call Center 13 Supir 14 Lainnya

RUMA is bridging the gap between micro entrepreneurs with large companies
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Large companies

Products

Micro entrepreneurs

PLN

Tablet

Printer

(*) for illustrative purpose

Information

Ruma is deploying tablets that can collect detailed information from retailers and customers
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Information can be used for many purposes

Advertising Engagement Market intelligence Couponing Purchase tracking

We are able to capture photos and GPS mapping using our survey tools
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Flows of products and information create virtuous cycle, benefitting the ecosystem
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Large companies

Products

Micro entrepreneurs

PLN

Tablet

Printer

(*) for illustrative purpose

Information

We have steadily grown our agents based

~4,000 active agents in 12 branches
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Agent Recruitment History

# of Agents
20,000
3,831

+172%

1,408

Aug 2011 Sep 2011 Oct 2011 Nov 2011 Dec 2011 Jan 2012 Feb 2012 Mar 2012 Apr 2012 May 2012 Jun 2012 Jul 2012 Net Active Agents: Agents that had conducted transactions in last month

2014

With current agents, were able to reach ~1.7 Mn customers in total

THANK YOU
www.ruma.co.id @ruma_id