Oyster mushroom cultivation

Mardiana

Sungguminasa, Gowa, Indonesia

100% repaid

Entrepreneur

Name

Mardiana

Member since

May 2013

On-time repayments

342 installments  •  64%

About Me

Born from a remote village that Bonto Masunggu. Father and mother were farmers and I have 6 sisters. Small since I was never given any money at my father for free. I was only equipped with a pair of duck, duck, if it lay then I could sell it to the needs of school snacks.

After finishing elementary school in contact with the unfortunate family eventually to go to school I have to ride on somebody else's term foster parents. During the 6 years I lived with another person while working on the school also has the task of households that did little even I do not have time to study at home. However, during the 6 years I was always top of the class anyway. To qualify for the University I did not encounter difficulties of tens of thousands of applicants I managed to escape but the time my father paralyzed so I once again must be constrained by the cost of tuition. But it does not make my passion subsided, although I still have to work hard college and also have to bear my brothers because I was the first child that automatically should be the backbone of the family.

At the final stage of the final lecture I've spoken work by Space agency (National Institute of Aeronautics and Space) but only lasted 3 years since my goal is to become of small entrepreneurs

My Business

I am inspired effort from my hometown where many residents who migrated but not bring better results, I finally took the initiative to do something that could be done to help my hometown and incidentally I was looking for a business what I should do.

Finally my first market research looking prduk needed in Makassar but no manufacturer and finally I chose the mushroom cultivation. As a beginner Mushroom cultivation in Makassar with household was not easy the first 2 years is a very difficult time, but due to the strong commitment and support by the local community who are also mothers and their households also are the backbone of the family make I am stronger.

My hope these efforts can evolve and be able to help my family and help more people. Now the market has begun to pick up, order flows but the requirement to obtain capital loan from local financial institutions extremely unfavorable to small businesses like mine. It feels very little chance to develop, but it does not make my passion subsided. I actually have a great hope can grow with zidisha

Loan Proposal

Makassar is one of the largest cities section of East Indonesia, a local mushroom farmers but there is no requirement that all mushrooms imported from outside the city. As a novice mushroom farmers in this region, construct a business is not easy, but a strong commitment to make our efforts are now starting to grow and it also can not be separated from zidisha involvement to facilitate the needs of capital. For this third loan we will increase production twice, because the market demand continues to grow until it reaches 300% per three months.
In a detailed submission to the funds be used as follows:
1 Seed Fungi IDR 1,200,000 = $ 104.05
2 Plastic PP IDR 320,000 = $ 27.75
3 Powder Wood IDR 560,000 = $ 48.56
4. Ring Paralon IDR 580,000 = $ 50.29
5. Bran IDR 200,000 = $ 17.34
6 Limestone IDR 60,000 = $ 5.20
7 Alcohol IDR 120,000 = $ 10.40
8 Labour IDR 2,000,000 = $ 173.42

Show original Bahasa Indonesia  

About Me

Terlahir dari sebuah desa terpencil yaitu Desa Bonto Masunggu. Ayah dan ibu adalah petani dan saya mempunyai 6 orang adik. Sejak Kecil saya tidak pernah diberi uang sama Bapak saya secara gratis. Saya hanya dibekali dengan sepasang bebek, apabila bebek ini bertelur barulah saya bisa menjualnya untuk kebutuhan jajan di sekolah. Setelah tamat Sekolah Dasar keluarga kena musibah akhirnya untuk melanjutkan sekolah saya harus menumpang di rumah orang lain istilahnya orang tua asuh. Selama 6 tahun saya tinggal bersama orang lain dengan kerja keras karena sambil sekolah juga mempunyai tugas rumah tangga yang tidak sedikit bahkan saya tidak punya waktu untuk belajar di rumah. Namun selama 6 tahun pula saya selalu juara kelas. Untuk lolos ke Universitas saya tidak menemui kesulitan dari puluhan ribu pendaftar saya berhasil lolos namun waktu itu Bapak saya sakit lumpuh sehingga saya sekali lagi harus terkendala dengan biaya kuliah. Tetapi hal itu tidak membuat semangat saya surut, saya tetap kuliah walaupun harus bekerja keras dan juga harus menanggung adik-adik saya karena saya adalah anak pertama sehingga otomatis harus menjadi tulang punggung keluarga. Pada tahap akhir kuliah akhir saya sudah dilamar pekerjaan oleh LAPAN (Lembaga Penerbangan dan Antariksa Nasional) tetapi hanya bertahan 3 tahun karena cita-cita saya dari kecil adalah menjadi enterpreneur

My Business

Usaha saya terinspirasi dari kampung saya dimana penduduk banyak yang merantau namun tidak membawa hasil yang lebih baik, akhirnya saya berinisiatif untuk melakukan sesuatu yang bisa dilakukan untuk menolong kampung saya dan kebetulan juga saya sedang mencari usaha apa yang saya harus lakukan. Akhirnya saya riset pasar dulu mencari prduk yang dibutuhkan di kota Makassar tetapi belum ada produsennya dan akhirnya saya memilih budidaya jamur . Sebagai pemula usaha budidaya Jamur di Kota Makassar dengan skala rumah tangga itu tidak mudah 2 tahun pertama adalah masa yang sangat sulit, namun karena komitmen yang kuat dan di support oleh masyarakat sekitar yang juga ibu-ibu rumah tangga dan mereka juga adalah tulang punggung keluarga membuat saya lebih kuat. Harapan saya usaha ini bisa berkembang dan bisa menolong keluarga saya dan membantu lebih banyak orang lagi. Sekarang pasar sudah mulai menggeliat, pesanan mengalir tetapi persyaratan untuk mendapatkan pinjaman modal dari lembaga keuangan lokal sangat tidak berpihak kepada usaha kecil seperti saya. Rasanya kesempatan berkembang sangat sedikit, tetapi itu tidak membuat semangat saya surut. Saya justru mempunyai harapan besar bisa berkembang bersama zidisha

Loan Proposal

Kota Makassar adalah salah satu kota terbesar dibagian Indonesia Timur, namun pembudidaya jamur lokal belum ada sehingga kebutuhan jamur semua di impor dari luar kota ini. Sebagai pembudidaya jamur pemula di wilayah ini, membangun usaha tidaklah mudah, namun komitmen yang kuat membuat usaha kami saat ini mulai bertumbuh dan ini juga tidak terlepas dari keterlibatan zidisha untuk memperlancar kebutuhan permodalan. Untuk pinjaman yang ketiga ini kami akan meningkatkan produksi dua kali lipat, karena pemintaan pasar terus tumbuh hingga mencapai 300% per tiga bulan.
Secara rinci pengajuan dana akan dipergunakan sebagai berikut :
1. Bibit Jamur IDR 1.200.000 = $ 104,05
2. Plastik PP IDR 320.000 = $ 27,75
3. Serbuk Kayu IDR 560.000 = $ 48,56
4. Cincin Paaralon IDR 580.000 = $ 50,29
5. Dedak IDR 200.000 = $ 17,34
6. Kapur IDR 60.000 = $ 5,20
7. Alkohol IDR 120.000 = $ 10,40
8. Tenaga Kerja IDR 2.000.000 = $ 173,42

Feedback

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Loan Info

Project Type

Classic Loan

Disbursed amount

$442.00

Date disbursed

Aug 7, 2014

Repayment status

On Time

Projected term

4 months

Lenders

R

rmacaw

Australia

Kysera

Crawfordsville, United States

C

cfaul

Seattle, United States

ads68

Melbourne, Australia

J

jlee928

Jacksonville, United States

Jason

Auckland, New Zealand

Hedwich

Gorssel, Netherlands

H

howard

Vence, France

M

marymarrs

North Bend, United States

E

Escalada

Bakersfield, CA, United States

Sirko

Brandenburg An Der Havel, Germany

K

khassi

AinEbel, Lebanon

mole333

Brooklyn, United States

T

thebonseung

Republic of Korea

Matching Fund

Sterling, United States

K

Kudrnova

Czech Republic

Louella

Australia

Sputnik

Switzerland

Mikers

Netherlands

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  • Mardiana    Nov 8, 2020

    The financial crisis, still the impact of the covid-19 pandemic

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  • Mardiana    Sep 2, 2020

    Business conditions have not been stable due to the impact of the covid-19 outbreak

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  • Mardiana    Jun 22, 2020

    The new business started production after being down due to the co-19 pandemic

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  • Mardiana    May 12, 2020

    Our business finance has plummeted further with the co-19 pandemic

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  • Mardiana    Dec 31, 2019

    Financial Adjustment

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  • Mardiana    Nov 11, 2019

    Budget adjustment

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  • Mardiana    Oct 8, 2019

    Because the weather is very hot and extreme, mushroom productivity has dropped to 50% and has been going on for the past 2 months

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  • Mardiana    Jun 30, 2019

    Adjustments to the capital expenditure budget due to the high cost of raw materials.

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  • Mardiana    May 14, 2019

    Dear Trustee, Over the past few weeks, payments have been delayed because the Genius account connected to Paypall is having a problem. While this is in the management process to improve. thank you

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  • Mardiana    May 3, 2019

    Economy is difficult

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  • Mardiana    Mar 5, 2019

    Adjustment of some business operating costs

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  • Mardiana    Jan 28, 2019

    The financial situation has not been stabilized due to the drought being hit again by the disaster due to the high wind disaster.

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  • Mardiana    Dec 6, 2018

    After experiencing difficult times, we need to adjust some expenses.

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  • Mardiana    Nov 13, 2018

    I still experience late payments because I still have difficulty filling my balance with Paypal

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    • Fitri    Dec 1, 2018

      Hello, Ms. Mardiana, If you already have a Genius account with BTPN and are already active, you can directly link your BTPN Genius virtual card to PayPal; do not have to wait for the BTPN genius debit card to reach you. Ma"am, just fill in the Genius balance then click the card section and select the top up card. This eCard genius will be able to be linked to the right. There"s the balance. Ma"am, just login to Zidisha and choose to pay, login to PayPal, and then immediately cut off the balance of the genius after agreeing to pay.

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      • Mardiana    Dec 3, 2018

        Thank you ... when I did, the account appeared, it needs to be at least 1 USD if I press the pay button. Can we help you communicate at 085239997085, please ... I am late for a long time because the payment system has changed

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  • Mardiana    Oct 26, 2018

    At present mushroom productivity is very decreasing due to the dry season, as a result the production costs increase sharply while the income drops drastically

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    • Fitri    Nov 4, 2018

      Ma"am Mardiana, does the button on the payment schedule page also exist? If it does not exist, you must make a ticket for help for the zidisha team to check. Has Ms. Mardiana had a verified PayPal account?

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  • Mardiana    Oct 18, 2018

    Dear Lenders,
    On this occasion, let me apologize because the payment has been delayed due to the fact that the productivity of the fungus is greatly reduced due to a prolonged dry season and we have difficulty in water. If the weather starts to improve and the productivity of the fungus starts to normal it will be paid off late, thanks

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  • Mardiana    Jun 20, 2018

    Dear Lenders,
    Thank you so much I say to the funders, thank you for your trust. Hopefully the funds lent will bring wider impact.

    Mardiana

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  • Mardiana    Jun 16, 2018

    Dear Lenders,
    By now my loan is paid off. I say many thanks for the trust of the funders. Alhamdulillah our mushroom business has a very significant impact. In 2010 and then, the mushroom business in our region is like an unspoiled jungle forest but I have confidence that this business will someday be a prima donna, and it turns out it started to prove. Currently we have approximately 40 mushroom farmers who join our efforts to support increasing demand, and this continues to grow from year to year. Thanks to the hard work we built this business to be a source of income many people finally in 2017 received a Paramakarya award from the Vice President of the Republic of Indonesia. Hopefully the donors will continue to support our business to grow even more. thank you

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  • Mardiana    May 14, 2018

    I am changing my payment schedule as business turnover improves. thank you

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    • Fitri    May 28, 2018

      Hello Mardiana, Introduce my name Fitri, I check you will pay off this loan in this July. Have you ever checked the Zidisha Forum? If you have not, please check Zidisha forum, because there are many new regulations that apply this year 2018 which will certainly affect your loan application later. Please read. www.zidisha.org/forums/4

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  • Mardiana    Feb 10, 2017

    Dear funders, __terima you very much for the trust given. With these funds will be used to develop our business in the processing of mushrooms and build a simple laboratory space as a place for testing and product innovation. Once again, thank you so much. Here is a photo of our business looks from the front

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