Ruma, a social enterprise that launched in Indonesia in 2009, aims to lift people out of poverty by creating new business opportunities through mobile technology. Thousands of Indonesians have signed up to be Ruma agents, and in that role they sell mobile minutes and provide bill-pay services to people in their village. Early success has attracted investors and philanthropic supporters. But Aldi Haryopratomo, founder and CEO of Ruma, worries about his next move. “If you think about scaling...

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