For business selling laptop computers, clothing & other items
Endang
Tangerang, Indonesia
48% repaid
Entrepreneur
Name
Endang
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
$1,712.00
Date disbursed
Sep 5, 2018
Repayment status
Late
Projected term
32 months
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Summary
Amount repaid
$821.77
Amount remaining
$890.93
Expected completion
May 24, 2021
Status
Repaying late
Installment amount
$10.00
Repayment History
| Expected Payments | Actual Payments | ||
|---|---|---|---|
| Sep 17, 2018 | $36.78 | Sep 17, 2018 | $36.78 |
| Sep 24, 2018 | $36.78 | Sep 24, 2018 | $36.78 |
| Oct 1, 2018 | $18.39 | Oct 1, 2018 | $18.39 |
| Oct 8, 2018 | $18.39 | Oct 8, 2018 | $18.39 |
| Oct 15, 2018 | $18.39 | Oct 13, 2018 | $0.74 |
| Oct 15, 2018 | $17.66 | ||
| Oct 22, 2018 | $18.39 | Oct 22, 2018 | $18.39 |
| Oct 29, 2018 | $18.39 | Oct 29, 2018 | $18.39 |
| Nov 5, 2018 | $11.04 | Oct 29, 2018 | $1.47 |
| Oct 29, 2018 | $1.47 | ||
| Oct 29, 2018 | $1.47 | ||
| Oct 29, 2018 | $1.47 | ||
| Oct 30, 2018 | $1.47 | ||
| Oct 30, 2018 | $3.68 | ||
| Nov 12, 2018 | $11.04 | Nov 2, 2018 | $3.68 |
| Nov 5, 2018 | $7.36 | ||
| Nov 19, 2018 | $11.04 | Nov 12, 2018 | $7.36 |
| Nov 13, 2018 | $3.68 | ||
| Nov 26, 2018 | $11.04 | Nov 26, 2018 | $11.04 |
| Dec 3, 2018 | $11.04 | Dec 3, 2018 | $11.04 |
| Dec 10, 2018 | $11.04 | Dec 10, 2018 | $11.04 |
| Dec 17, 2018 | $11.04 | Dec 17, 2018 | $11.04 |
| Dec 24, 2018 | $11.04 | Dec 24, 2018 | $11.04 |
| Dec 31, 2018 | $11.04 | Dec 31, 2018 | $11.04 |
| Jan 7, 2019 | $11.04 | Jan 7, 2019 | $11.04 |
| Jan 14, 2019 | $11.04 | Jan 14, 2019 | $11.04 |
| Jan 21, 2019 | $11.04 | Jan 21, 2019 | $11.04 |
| Jan 28, 2019 | $11.04 | Jan 28, 2019 | $11.04 |
| Feb 4, 2019 | $11.04 | Feb 4, 2019 | $11.04 |
| Feb 11, 2019 | $11.04 | Feb 11, 2019 | $11.04 |
| Feb 18, 2019 | $11.04 | Feb 18, 2019 | $11.04 |
| Feb 25, 2019 | $11.04 | Feb 25, 2019 | $11.04 |
| Mar 4, 2019 | $11.04 | Mar 4, 2019 | $11.04 |
| Mar 11, 2019 | $11.04 | Mar 11, 2019 | $11.04 |
| Mar 18, 2019 | $11.04 | Mar 18, 2019 | $11.04 |
| Mar 25, 2019 | $11.04 | Mar 25, 2019 | $11.04 |
| Apr 1, 2019 | $11.04 | Apr 1, 2019 | $11.04 |
| Apr 8, 2019 | $11.04 | Apr 8, 2019 | $11.04 |
| Apr 15, 2019 | $11.04 | Apr 15, 2019 | $11.04 |
| Apr 22, 2019 | $11.04 | Apr 22, 2019 | $11.04 |
| Apr 29, 2019 | $11.04 | Apr 29, 2019 | $11.04 |
| May 6, 2019 | $7.36 | May 6, 2019 | $7.36 |
| May 13, 2019 | $7.36 | May 13, 2019 | $7.36 |
| May 20, 2019 | $7.36 | May 20, 2019 | $7.36 |
| May 27, 2019 | $7.36 | May 27, 2019 | $7.36 |
| Jun 3, 2019 | $7.36 | Jun 3, 2019 | $7.36 |
| Jun 10, 2019 | $7.36 | Jun 10, 2019 | $7.36 |
| Jun 17, 2019 | $7.36 | Jun 17, 2019 | $7.36 |
| Jun 24, 2019 | $7.36 | Jun 24, 2019 | $7.36 |
| Jul 1, 2019 | $7.36 | Jul 1, 2019 | $7.36 |
| Jul 8, 2019 | $7.36 | Jul 8, 2019 | $7.36 |
| Jul 15, 2019 | $7.36 | Jul 15, 2019 | $7.36 |
| Jul 22, 2019 | $7.36 | Jul 22, 2019 | $7.36 |
| Jul 29, 2019 | $7.36 | Jul 29, 2019 | $7.36 |
| Aug 5, 2019 | $7.36 | Aug 5, 2019 | $7.36 |
| Aug 12, 2019 | $7.36 | Aug 12, 2019 | $7.36 |
| Aug 19, 2019 | $7.36 | Aug 19, 2019 | $7.36 |
| Aug 26, 2019 | $7.36 | Aug 26, 2019 | $7.36 |
| Sep 2, 2019 | $7.36 | Sep 2, 2019 | $7.36 |
| Sep 9, 2019 | $7.36 | Sep 9, 2019 | $7.36 |
| Sep 16, 2019 | $7.36 | Sep 16, 2019 | $7.36 |
| Sep 23, 2019 | $7.36 | Sep 23, 2019 | $7.36 |
| Sep 30, 2019 | $7.36 | Sep 30, 2019 | $7.36 |
| Oct 7, 2019 | $7.36 | Oct 7, 2019 | $7.36 |
| Oct 14, 2019 | $7.36 | Oct 14, 2019 | $7.36 |
| Oct 21, 2019 | $7.36 | Oct 21, 2019 | $7.36 |
| Oct 28, 2019 | $7.36 | Oct 28, 2019 | $7.36 |
| Nov 4, 2019 | $7.36 | Nov 4, 2019 | $7.36 |
| Nov 11, 2019 | $7.36 | Nov 11, 2019 | $7.36 |
| Nov 18, 2019 | $7.36 | Nov 18, 2019 | $7.36 |
| Nov 25, 2019 | $7.36 | Nov 25, 2019 | $7.36 |
| Dec 2, 2019 | $7.36 | Dec 2, 2019 | $7.36 |
| Dec 9, 2019 | $7.36 | Dec 9, 2019 | $7.36 |
| Dec 16, 2019 | $7.36 | Dec 16, 2019 | $7.36 |
| Dec 23, 2019 | $7.36 | Dec 23, 2019 | $7.36 |
| Dec 30, 2019 | $7.36 | Dec 30, 2019 | $7.36 |
| Jan 6, 2020 | $7.36 | Jan 6, 2020 | $7.36 |
| Jan 13, 2020 | $7.36 | Jan 13, 2020 | $7.36 |
| Jan 20, 2020 | $7.36 | Jan 20, 2020 | $7.36 |
| Jan 27, 2020 | $7.36 | Jan 27, 2020 | $7.36 |
| Feb 3, 2020 | $7.36 | Feb 4, 2020 | $7.36 |
| Feb 10, 2020 | $7.36 | Feb 10, 2020 | $7.36 |
| Feb 17, 2020 | $7.36 | Feb 17, 2020 | $7.36 |
| Feb 24, 2020 | $7.36 | Feb 24, 2020 | $7.36 |
| Mar 2, 2020 | $7.36 | Mar 2, 2020 | $7.36 |
| Mar 9, 2020 | $7.36 | Mar 9, 2020 | $7.36 |
| Mar 16, 2020 | $3.68 | Mar 17, 2020 | $3.68 |
| Mar 23, 2020 | $2.94 | Mar 23, 2020 | $2.94 |
| Mar 30, 2020 | $1.47 | Apr 6, 2020 | $1.47 |
| Apr 6, 2020 | $0.74 | Apr 13, 2020 | $0.74 |
| Apr 13, 2020 | $0.74 | Apr 13, 2020 | $0.74 |
| Apr 20, 2020 | $0.74 | Apr 22, 2020 | $0.74 |
| Apr 27, 2020 | $0.74 | Apr 22, 2020 | $0.74 |
| May 4, 2020 | $0.74 | Apr 22, 2020 | $0.74 |
| May 11, 2020 | $0.74 | May 13, 2020 | $0.74 |
| May 18, 2020 | $0.74 | May 13, 2020 | $0.74 |
| May 25, 2020 | $0.00 | May 29, 2020 | $0.00 |
| Jun 1, 2020 | $0.00 | May 29, 2020 | $0.00 |
| Jun 8, 2020 | $0.00 | May 29, 2020 | $0.00 |
| Jun 15, 2020 | $0.00 | May 29, 2020 | $0.00 |
| Jun 22, 2020 | $0.00 | May 29, 2020 | $0.00 |
| Jun 29, 2020 | $1.47 | May 29, 2020 | $1.47 |
| Jul 6, 2020 | $0.74 | Jul 8, 2020 | $0.74 |
| Jul 13, 2020 | $0.74 | Jul 8, 2020 | $0.74 |
| Jul 25, 2020 | $0.00 | ||
| Jul 20, 2020 | $0.74 | Jul 25, 2020 | $0.74 |
| Jul 27, 2020 | $0.74 | Jul 25, 2020 | $0.74 |
| Aug 3, 2020 | $0.74 | Jul 25, 2020 | $0.74 |
| Aug 10, 2020 | $0.74 | Aug 21, 2020 | $0.74 |
| Aug 17, 2020 | $0.74 | Aug 21, 2020 | $0.74 |
| Aug 24, 2020 | $0.74 | Aug 21, 2020 | $0.74 |
| Aug 31, 2020 | $0.74 | Sep 4, 2020 | $0.74 |
| Sep 7, 2020 | $0.74 | Sep 4, 2020 | $0.74 |
| Sep 14, 2020 | $0.74 | Sep 4, 2020 | $0.74 |
| Sep 21, 2020 | $0.74 | Sep 4, 2020 | $0.74 |
| Sep 28, 2020 | $0.74 | Sep 4, 2020 | $0.74 |
| Oct 5, 2020 | $0.74 | Oct 10, 2020 | $0.74 |
| Oct 12, 2020 | $0.74 | Oct 10, 2020 | $0.74 |
| Oct 19, 2020 | $0.74 | Oct 10, 2020 | $0.74 |
| Oct 26, 2020 | $0.74 | Oct 10, 2020 | $0.74 |
| Nov 2, 2020 | $0.74 | Oct 10, 2020 | $0.74 |
| Nov 9, 2020 | $0.74 | Nov 15, 2020 | $0.74 |
| Nov 16, 2020 | $0.74 | Nov 15, 2020 | $0.74 |
| Nov 23, 2020 | $0.74 | Nov 15, 2020 | $0.74 |
| Nov 30, 2020 | $0.74 | Nov 15, 2020 | $0.74 |
| Dec 7, 2020 | $2.21 | Nov 15, 2020 | $0.74 |
| Nov 30, 2020 | $1.47 | ||
| Dec 14, 2020 | $0.74 | Dec 26, 2020 | $0.74 |
| Dec 21, 2020 | $0.74 | Dec 26, 2020 | $0.74 |
| Dec 28, 2020 | $0.74 | Dec 26, 2020 | $0.74 |
| Jan 4, 2021 | $0.74 | Dec 26, 2020 | $0.74 |
| Jan 11, 2021 | $0.74 | Dec 26, 2020 | $0.74 |
| Jan 18, 2021 | $0.00 | ||
| Jan 18, 2021 | $1.47 | Jan 18, 2021 | $1.47 |
| Jan 25, 2021 | $10.00 | ||
| Feb 1, 2021 | $10.00 | ||
| Feb 8, 2021 | $10.00 | ||
| Feb 15, 2021 | $10.00 | ||
| Feb 22, 2021 | $10.00 | ||
| Mar 1, 2021 | $65.87 | ||
| Mar 8, 2021 | $65.87 | ||
| Mar 15, 2021 | $65.87 | ||
| Mar 22, 2021 | $65.87 | ||
| Mar 29, 2021 | $65.87 | ||
| Apr 5, 2021 | $65.87 | ||
| Apr 12, 2021 | $65.87 | ||
| Apr 19, 2021 | $65.87 | ||
| Apr 26, 2021 | $65.87 | ||
| May 3, 2021 | $65.87 | ||
| May 10, 2021 | $65.87 | ||
| May 17, 2021 | $65.87 | ||
| May 24, 2021 | $50.45 | ||
J Sep 1, 2018
Endang Sep 1, 2018
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