For business selling laptop computers, clothing & other items

Endang Rusmiati

Tangerang, Indonesia

48% repaid

Entrepreneur

Name

Endang Rusmiati

Member since

August 2015

On-time repayments

271 installments  •  93%

About Me

I am a single parent with a beautiful 10-year-old daughter who is attending grade 5 of Elementary School. The father of my daughter left us for granted by the time my daughter was 1 year old.

To provide for my life and my daughter, I opened an online store of home-made clothes for women and children.

My sales profit is used for daily and monthly expenses such as buying food, clothing and school fees for my daughter, and is also used for routine monthly expenses such as electricity, water, taxes.

My Business

It's been 5 years I opened an online store in several marketplace in Indonesia (tokopedia, shopee, bukalapak, carousell). Goods that I sell are goods that are used by women and children everyday that is daster (clothes worn inside the house).

I choose to sell through the marketplace because I think the buyer is more comfortable with the third party where they pay the order goods first, so the buyer is not afraid to be deceived with the goods ordered. Because sometimes there are also naughty sellers by not sending goods orders after the buyer direct money transfer payments to the seller's account.

The disadvantage of selling through the marketplace is the payment of the buyer's order not directly received by the marketplace, and the payment order of the new buyer will be disbursed if the buyer has received their order item.

Because the goods I sell are the everyday clothes used by most Indonesian women, it is often a very high re-order from the buyer. So I often run out of capital to buy stock of goods to the supplier because the sales money is still stuck in the marketplace.

And there are some neighbors who often take my merchandise for their resale, so a little more I can help their economy as well.

During this time, every day I purchased from my online store an average of 5-10 customers everyday, by earning money of USD 46 - USD 91. At one item I take 10% profit - 20%, which can get USD 15 - USD 25 every day. So within 1 month, the profit can be approximately USD 450 - USD 750.

From this advantage I use for loan installments to lenders Zidisha and also to pay for education and provide a decent life for my daughter and also I save as a savings to the reserve fund in case of disaster.

My big dream is to have an offline store, so I get 2 revenue sources from online stores and offline stores.

Loan Proposal

Thank you Zidisha and the lenders, I was still given the opportunity to submit a proposal again.

This time I will use the loan to buy a laptop because the laptop that I now use to sell online has started a lot of damage that is often blank and hot fast battery. In addition, I will also use loan money to buy printer ink and stock items (dress dresses & child leggings).

As for the details of the use of loan money more or less as follows:
1. Asus laptop amounting to USD 330
2. Printer ink for USD 25
3. Addition of stock items in the form of home clothes for women (negligee) and children with details:
- 10 clothes models women @ USD 60-90 = USD 600-900
- 5 dozen children"s legging pants @ USD 20-30 = USD 100-150
4. The rest I will use for additional capital reserves so that if there is a demand for goods from the buyer very much while the variant the items ordered are empty, then I will be able to fulfill them immediately.

The profit from the sale, in addition to fulfilling daily life, I will use to pay loan installments. And also I will save a little money as a savings to prepare my daughter for junior high school.

It is my hope that lenders can help me provide capital loans, because I believe I can repay loan money on time like my previous loans. Thank you very much. Have a great day lenders.

Show original Bahasa Indonesia  

About Me

Saya adalah seorang single parent dengan seorang putri cantik berusia 10 tahun yang bersekolah di kelas 4 Sekolah Dasar.

Saya membuka toko online yang merupakan pemasukan satu-satunya untuk membiayai kehidupan sehari-hari putri saya.

Uang laba penjualan saya gunakan untuk keperluan biaya harian dan bulanan seperti membeli makanan, pakaian dan biaya uang sekolah untuk putri saya, serta dipergunakan juga untuk membayar listrik, air, pajak.

My Business

Sudah 5 tahun saya membuka toko online di beberapa marketplace di Indonesia. Barang yang saya jual merupakan barang yang dipergunakan wanita dan anak-anak Indonesia sehari-hari yaitu daster (baju dipakai didalam rumah).

Saya memilih jualan melalui marketplace karena menurut saya pembeli lebih nyaman dengan adanya pihak ketiga tempat mereka membayar barang pesanan terlebih dahulu, sehingga pembeli tidak takut tertipu dengan barang yang dipesan. Sebab terkadang ada juga penjual yang nakal dengan tidak mengirim barang pesanan setelah pembeli transfer uang pembayaran langsung ke rekening penjual.

Kelemahan jualan melalui marketplace adalah uang pembayaran pesanan pembeli tidak langsung saya terima melainkan ditahan lebih dahulu oleh marketplace, dan uang pembayaran pesanan pembeli baru akan dicairkan apabila pembeli sudah menerima barang pesanan mereka.

Karena barang yang saya jual merupakan pakaian yang sehari-hari dipakai kebanyakan wanita Indonesia, maka sering terjadi order ulang yang sangat tinggi dari pembeli. Sehingga saya sering kehabisan modal untuk membeli stok barang ke supplier karena uang penjualan masih tertahan di marketplace.

Dan ada beberapa tetangga yang sering ambil barang jualan saya untuk mereka jual kembali, sehingga sedikit banyaknya saya bisa membantu perekonomian mereka juga.

Selama ini, setiap harinya pembelian dari toko online saya rata-rata sehari 5 - 10 konsumen, dengan mendapatkan uang penjualan sebesar USD 46 - USD 91. Per satu barang saya mengambil keuntungan 10% – 20%, yang bisa mendapatkan USD 15 - USD 25 setiap hari. Sehingga dalam waktu 1 bulan, keuntungan yang di dapat kurang lebih sebesar USD 450 - USD 750.

Dari keuntungan ini saya pergunakan untuk angsuran pinjaman kepada lenders Zidisha dan juga untuk membayar pendidikan dan memberikan kehidupan yang layak untuk putri saya dan juga saya simpan sebagai tabungan untuk dana cadangan apabila terjadi musibah.

Impian besar saya adalah memiliki toko offline, sehingga saya mendapat 2 sumber pemasukan yaitu dari toko online dan toko offline.

Loan Proposal

Terimakasih Zidisha dan para pemberi pinjaman, saya masih diberi kesempatan untuk mengajukan proposal kembali.

Pinjaman kali ini akan saya pergunakan untuk membeli laptop karena laptop yang sekarang saya pergunakan untuk berjualan online sudah mulai banyak kerusakan yaitu sering blank dan battery cepat panas. Selain itu uang pinjaman juga akan saya pergunakan untuk membeli tinta printer dan stok barang (baju-baju daster & legging anak).

Adapun perincian penggunaan uang pinjaman kurang lebih sebagai berikut :
1. Laptop Asus sebesar USD 330
2. Tinta Printer sebesar USD 25
3. Penambahan stok barang berupa baju-baju rumahan untuk wanita (daster) dan anak-anak dengan rincian :
- 10 model baju wanita @USD 60-90 = USD 600-900
- 5 lusin celana legging anak-anak @USD 20-30 = USD 100-150
4. Sisanya akan saya pergunakan untuk tambahan cadangan modal sehingga apabila ada permintaan barang dari pembeli sangat banyak sedangkan varian barang yang dipesan kosong, maka saya akan bisa segera memenuhinya.

Keuntungan dari penjualan, selain untuk memenuhi hidup sehari-hari, akan saya pergunakan untuk membayar angsuran pinjaman. Dan juga saya akan menyimpan sedikit uang sebagai tabungan untuk persiapan putri saya masuk Sekolah Menengah Pertama.

Besar harapan saya para pemberi pinjaman dapat membantu saya memberikan pinjaman modal, karena saya yakin bisa mengangsur uang pinjaman tepat waktu seperti pinjaman-pinjaman saya sebelumnya. Terimakasih banyak. Have a great day Lenders.

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Loan Info

Project Type

Classic Loan

Disbursed amount

$1,712.70

Date disbursed

Sep 5, 2018

Repayment status

Late

Projected term

32 months

Cost to entrepreneur

Service fee: $80.69

Credit risk payment: $242.08

Lenders

BrassHat

Boston, United States

S

soren

Göteborg, Sweden

evinpa

United States

MakeSense

-, St. Kitts and Nevis

C

CrazyCanuck

Nepean, Canada

Cloudways

Malta, Malta

S

SvenWaage

Stavanger, Norway

ads68

Melbourne, Australia

M

mkellerman

Shanghai, China

BF

Bob Fitzjohn

Fontvielle, Monaco, Yemen

ibc123

Seattle, United States

MrMichigander

Marquette, United States

G

GoughGirl

Washington, Dc, United States

Gringotts

United States

M

mbarbier

United States

MW

Matt Willis

United States

Jennifer Weber

Canandaigua, Ny, United States

V

Vivek

Arlington, VA, United States

PR

Paul Rausch

United States

Aran Dunlop

United States

wissam

Jeddah, Saudi Arabia

A

Andrei

United States

Thomas

Sweden, Sweden

Stephan W

Witten, Germany

Tom Eggert

Madison, United States

Ed

Howells, United States

Grégoire

Zurich, Switzerland

R

Ryan

Albuquerque, NM, United States

M

Mark

Toulouse, France, France

D

Dalton

San Francisco, United States

Melissa K

Portland, Oregon, United States

JF

J Fister

United States

Emily

San Francisco, United States

Paul Buchheit

Mountain View, United States

Tyler Metcalf

Utah, United States

S

Sarah

Arlington, United States

JB

Jane Bean

United States

MP

Michael Poley

United States

Joost

Noord Brabant, Netherlands

Joshi

United States

GA

Gal Ashuach

רעננה, Israel

EA

Eric Ayers

Atlanta, United States

E

Euge

Argentina

KA

Kate and Tom

United States

Katie

New Zealand

alexalexalex

Berlin, Germany

LizRea

Singapore

Nico Robin

Osaka, Japan

Kathleen

Australia

DD

Diandra Dee

Cameron Highlands, Malaysia

Christine

Munich, Germany

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