Ruma provides financial and information services in Indonesia through a trained agent network. The company aims to increase access to such services in a country with only 3,600 bank branches that serve a population of 245 million across a sprawling island archipelago.

Ruma recruits agents from Indonesia's two million independently owned “mom and pop” stores and provides them with technology, training, and support. These shops can then provide local consumers with a range of services, such as pre-paid airtime “top up,” utility and loan payments, mobile money services, and insurance.

Based in Jakarta, Ruma has served millions of customers through thousands of agents across Indonesia. The company has received awards from Harvard Business School, Ernst & Young, Global Mobile Awards, Global Social Venture Competition, and Endeavor.