http://stackoverflow.com/questions/3077462/developing-smartphone-apps-using-rhomobile
Rhomobile will start up a small webserver on your phone and then show a webview that is directed to this webserver. You are able to write all the application logic in ruby in a way you would do it if you would write a web app that is deployed on a real web server. Rhomobile uses CSS etc. to have the app look look a little bit like a native app.
If you know Ruby you will get an App fast but it will look crappy and the user experience will be crappy too. A similar framework is appcelerator titanium they will let you write the app in Java Script and then compile it into a mix of javascript, webview and native components that run on an Iphone and on an Android phone and titanium has a much nicer user experience then rhomobile.
Visit their pages and test some of the apps that they are promoting as showcase for their frameworks.