pt ruma - adb ib forum
TRANSCRIPT
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PT. RUMA (REKAN USAHA MIKRO ANDA) ONADB INCLUSION BUSINESS FORUM
Salma Desenta – Head of Transaction Services
@ruma_idOctober 2012
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Human Network
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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
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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
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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
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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