Ruma : Indonesian E-payment mobile app with 30.000 company branches nationwide
Ruma, a mobile phone application that providing local people with access to services, such as paying electricity bills, repaying loans, and checking job advertisements, empowering the small shop owners in Indonesia. It also enables 30,000 company representatives across Indonesia to make money via their mobile phones. Ruma trying to solve the problem around the rural parts of a country that only 16% of people can acces the internet, to go to their nearest Ruma agent to pay their bill online. Ruma then charges a small transaction fee, which is shared between it and the agent in question.
Mr Haryopratomo, Ruma maker, was employed by a US microfinance firm at the time, but the knowledge he gained from the trip inspired him to set up his own business in 2009.
His business is called Ruma, and it now enables 30,000 company representatives across Indonesia to make money via their mobile phones.
They do this by providing local people with access to services, such as paying electricity bills, repaying loans, and checking job advertisements, all via a Ruma mobile phone app.
The representatives, who Ruma calls its "agents", are typically small shop owners.
So in rural parts of a country where the World Bank says just 16% of people have regular access to the internet, if a person wants to pay their electricity bill online, they can go to their nearest Ruma agent.
Ruma then charges a small transaction fee, which is shared between it and the agent in question.
The company says that more than 1.5 million people now access its services.
Ruma now directly employs 512 people, of which two thirds are out in the field meeting agents, while one third work at its head office in Jakarta.
Mr Haryopratomo says his staff deserve much of the praise for the company's continuing success.
"A really good bit of advice for any people who want to do something meaningful is to surround yourself with people who are doing something meaningful," he says.
"Because it is much easier to lift yourself and build a team when you are surrounded by people who are passionate about what they do. I have a huge team in Ruma who are all doing something to change the world essentially."
Mr Haryopratomo's trust in his employees is such that for two days every week he leaves them to it, so he can relive his Motorcycle Diaries trip by riding his motorcycle around villages on the main Indonesian island of Java.
He does this to visit Ruma agents and customers, the members of the public who use the service.
Mr Haryopratomo says this is vital as it helps him establish the gut feelings which form a key part of his decision-making process.
"In order to have the right gut feelings, you need to be sitting with your customers so you understand how they think, how they feel, and what they need," he says.