Procurement of bottled drinking water stock

Harianti Somba

Dusun Paccinongan Desa Tino Kec. Tarowang Kab. Jeneponto, Indonesia

Funds disbursed

$0 to go

100% funded of $802 goal

0

days left

Entrepreneur

Name

Harianti Somba

Member since

December 2014

On-time repayments

87 installments  •  33%

About Me

Hi Zidisha,

My name is Harianti a housewife living in border areas Kabuputen Jeneponto Bantaen. My husband works as a driver of urban transportation. I have a shop that sells a wide variety of grocery store I was in front of the village highway Tino District of Tarowang Jeneponto.

Three years ago I built my house and used the front of my house as a shop. I set up the initial capital for the shop by making cakes to sell from my own home. I then saved the profit from that as capital to purchase retail goods. Little by little I bought stocks to complete the store and now I have a lot of inventor. My retail store now is bustling with buyers since my shopis adjacent to schools, health centers and village offices.

Everyday school children come to my store. In addition to retails goods, I also sell office and school supplies such as pens, notebook, pencils, paper etc. I bought this mixture of wholesale goods from supplier cars passing my shop on the highway.

I was also given a refrigerator by the company that produces softdrinks. I have three units of refrigerators from different companies. My revenue in one day is around $50 with a net profit of between $ 5 to $ 8 / day or about $ 60 / week.

Since there is increase in the price of fuel oil in Indonesia all kinds of goods prices rose about 30% so that the procurement of goods in stores becomes limited. The initial plan would try to borrow capital from the local Co-op but my husband forbids because the interest is 20% for a period of only 2 months or 8-week. We can only pay the interest from our profit.

Finally I got the info about Zidhisa and receive an email invitation from Guntur Ade Putra to become members Zidhisa in obtaining venture capital loans online that provide loans to the rest of the world, including Indonesia with very easy and has a lot to enjoy this loan to increase its business. I also have a hope of getting a loan like this. Loan I need is not too much for fear of not being able to pay it. So now I only need $ 150 just fit my ability to pay back to Zidhisa. Request for a loan like that I will be able to pay with 15% interest per year.

My Business

I have paid up my second loan without any hurdle. My second loan payment was ahead of the payment schedule. I had deliberately asked for loan with small payment amount with longer time frame just in case something happened (ed. she had wanted to pay up earlier than the schedule anyway).

If my revenue increase, I can then afford more loan repayment amount. After my second loan, my revenue experienced day-to-day increase. I hope my revenue will keep going up.

For this third loan, I want to focus on packaged drinking water. The demand for this will increase due to prolonged draught. The profit margin for selling packaged drinking water is around 25% or 3 times more than that if the cashflow that will be generated from my loan can flow through 3-5 times throughout the loan repayment period (ed. she's making a prediction that from this third loan she is very certain that she can manage her cashflow very well as if she is borrowing 3 or 5 times more money for her business).

I hope that this third loan can be funded quick, and I also hope that I can repay all the loan easily like before. I am committed to keep being a good member of Zidisha and become an example for other borrowers.

Loan Proposal

On this third loan, I focus on the procurement of Bottled Drinking Water as 1000 boxes for a price of IDR10.267.000. Bottled water demand is very high because in Indonesia, especially the area where I live has a wave of prolonged drought, so that people had trouble getting clean water for consumption. The dry season is called El Nino and it has been anticipated that rain will begin to fall in November. Hopefully my third loan will be still given the opportunity and the confidence from the lenders.

Show original Bahasa Indonesia  

About Me

Hi Zidhisa
Saya Harianti seorang ibu rumah tangga tinggal di daerah perbatasan Kabuputen Jeneponto Bantaeng, suami bekerja sebagai sopir angkutan kota, saya mempunyai toko yang menjual berbagai macam keperluan sehari-hari toko saya berada di jalan raya depan kantor Desa Tino Kecamatan Tarowang Kabupaten Jeneponto. Tiga tahun lalu saya membangun rumah dan bagian depannya saya pakai untuk dijadikan toko, awal usaha yang saya jalankan membuat kue untuk saya jual sendiri dirumah hasilnya saya simpan untuk modal membeli barang eceran, sedikit demi sedikit saya beli barang untuk melengkapi toko dan sampai sekarang sudah mulai banyak persediaan barang eceran dan sudah mulai ramai pembeli karena rumah toko saya berdekatan dengan sekolah, puskesmas dan kantor desa sehingga setiap hari terutama anak sekolah ramai berbelanja ditoko, selain barang campuran saya juga menjual perlengkapan sekolah dan kantor seperti pulpen, buku tulus, pensil, kertas dan lain - lain. Saya membeli barang campuran ini secara grosir dari mobil kampas yang lewat setiap hari karena rumah toko saya di jalan raya. Sekarang ini saya diberi lemari es oleh pihak perusahan yang memproduksi minuman gelas, sudah tiga unit lemari es kerjasama perusahaan untuk dipakai menjual minuman dingin. Pada pinjaman kedua yang lalu saya sudah mendapatkan keuntungan rata rata $80/ minggu naik sekitar 30% setelah mendapat pinjaman dari zidhisa. Ketersediaan stock barang juga semakin banyak sehingga saya berpikir untuk membangun rumah yang memang sudah saya persiapkan danannya dari hasil tabungan keuntungan penjualan. Toko yang saya gunakan selama ini juga sebagai tempat tinggal. Akhirnya dengan keyakinan saya membangun rumah dan saya fokuskan toko sebagai tempat usaha utama karena saya sudah melayani penjualan secara grosir juga sehingga mengharuskan mempunyai tempat yang lebih besar lagi. Semoga pada pinjaman berikutnya semakin memberikan keberhasilan yang lebih baik lagi.

My Business

Saya telah melakukan pembayaran pinjaman yang kedua ini tanpa kendala, kelancaran pembayaran pinjaman saya lebih cepat dari yang saya tentukan, saya sengaja mengajukan pinjaman dengan pembayaran rendah karena menjaga hal hal yang tidak diinginkan, tapi jika omzet penjualan naik maka pembayaran bisa lebih besar lagi, sehingga dengan demikian saya bisa mengatur jalannya usaha saya dalam mengelola perputaran modal. Selama menggunakan pinjaman kedua ini omzet yang saya dapatkan sudah mengalami kenaikan dari hari kehari. Saya hanya berharap semoga apa yang saya dapatkan bisa terus seperti ini setiap hari.
Pada pinjaman ketiga ini saya fokuskan ke pengadaan Air minum Dalam Kemasan yang mana permintaan air minum kemasan ini semakin meningkat karena musim kemarau yang berkepanjangan, pinjaman ini saya akan investasikan ke air minum dalam kemasan yang mana akan memberikan keuntungan sekitar 25% atau 3 kali lipat jika perputaran dan penggunaan modal dikelola sampai 3-5 kali selama dalam pembayaran angsuran pinjaman. Semoga pinjaman ketiga ini bisa terdanai dengan cepat, dan berharap tetap mampu mengembalikannya dengan mudah seperti pada pinjaman sebelumnya. Saya berkomitmen akan terus menjadi anggota Zidhisa yang baik dan menjadi contoh dari para anggota lainnya.

Loan Proposal

Pada pinjaman yang ketiga ini, saya fokuskan ke pengadaan Air Minum Dalam Kemasan sebanyak 1000dos dengan harga IDR10.267.000. Permintaan air kemasan sangat tinggi karena di Indonesia terutama daerah tempat tinggal saya mulai dilanda kekeringan yang berkepanjangan. Sehingga masyarakat kesulitan mendapatkan air bersih untuk dikonsumsi. Musim kering ini disebut elnino dan diperkiran bulan november curah hujan mulai turun. Semoga pinjaman ketiga saya ini masih diberikan kesempatan dan kepercayaan dari para pemberi pinjaman.

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Loan Info

Project Type

Classic Loan

Disbursed amount

$801.99

Date disbursed

Sep 25, 2015

Repayment status

Late

Projected term

13 months

Cost to entrepreneur

Service fee: $40.10

Lenders

A

aaronmcmurray

SLC, UT, United States

J

Jason

New Jersey, United States

A

Anna

Brussels, Belgium

investor

Candiac, Canada

snapcore

--, United States

DeanDropshot

Oslo, Norway

ErikN

Stockholm, Sweden

T

Tallago3

Munich, Germany

Zidisha

Sterling, United States

michellev

Melbourne, Australia

T

ToddK

Indianapolis, IN, USA, United States

S

SmithTown5000

Dallas Texas, United States

eaganlender

Kalamazoo, United States

indeh

London, United Kingdom

D

duckdork

De Forest, United States

ads68

Melbourne, Australia

K

Klemens

M, Germany

fairspirit

Utrecht, Netherlands

A

andreasb

Zug, Switzerland

James

Paris, France

E

erlingre

Sør-Fron, Norway

D

Don100

Wilton, United States

L

LenoMetus

Perth, Australia

B

Badass78camaro

Mohnton, Pa, United States

D

dmartink

Maryland, United States

A

anson

Alexandria, United States

A

Alizar

Toms River, United States

S

SanderBeckers

Brussel, Belgium

mfrost3

Dakar, Senegal

whvitan

Quezon City, Philippines

A

akshu71

Ottawa, Canada

T

Texikan

Fort Worth, United States

D

dbuksh

United States

D

dj9812

United States

M

Morgan1301

United States

L

liseman

United States

S

Smadori0

United States

D

dajja

Stockholm, Sweden

E

elhh82

Petaling Jaya, Malaysia

A

analyticsPierce

Denver, United States

OP

Old People

Corona Del Mar, United States

Matching Fund

Sterling, United States

Arjan Geven

Vienna, Austria

A

AileenH

United Kingdom

P

Peaches

United States

Grandma2k

Cedar Hill, TX, United States

B

bovine

United States

M

Mcohan21

United States

Dreamworks.nl

Den Haag, Netherlands

D

dcktdjc

United States

S

stevemorin

United States

T

tengbao

United States

A

adiipienaar

South Africa

A

alazybum

Australia

jonnyhj

Stockholm, Sweden

meryn

The Hague, Netherlands

B

Boeing777

United States

N

Nijntje

Netherlands

R

Russell81

United States

B

bvirlet

United States

M

mkrsko

Slovakia

TeriJ

Athens, GA, United States

bb4dogs

United States

M

mitchmk84

United States

S

salonasante

United States

N

Nekochan26

United States

E

EKuras

United States

R

RosieWatrs

United States

M

maloney

United States

L

leftyoctober

Minneapolis, United States

S

sarah4d2

Saint Louis, United States

larry

Sweden

smastermind

Jerusalem, Israel

E

ewaters1

Australia

E

expatri

United States

mepster

San Francisco, Ca, United States

chriseyre

Fremont, Ca, United States

G

GMB2014

United States

S

simonthompson99

United Kingdom

S

Sophia20450

United States

L

luckiestmonkey

United States

D

dscottprod

United States

B

bscent

Hong Kong

AndrewNeu

Ho Chi Minh, Vietnam

B

Boswags

United States

T

timnj

United States

A

araali

United States

J

JonAlec

United States

H

HLCharityFund

United Kingdom

Grant Xavier Storer

Seattle, Wa, United States

S

samrajbal

United Kingdom

R

Rajendra

Jamkhed 413201 Maharashtr, India

E

enigmatic

United Kingdom

M

me.iulian

Iasi, Romania

S

StefanB

Stockholm, Sweden

K

Kebrenagast

New York, United States

C

Crainster

Chapel Hill, United States

A

adamdreaming

United States

R

rokbe

Netherlands

Andrew267

Birmingham, United Kingdom

SuperMario28

Cudahy, United States

F

Foster

United Kingdom

P

Pinkhobgoblin

United Kingdom

J

Jack123

United States

M

mbarbier

United States

LB

Luke Brown

United States

Martin Ward

Leicester, United Kingdom

KM

Kirsty M

United Kingdom

Michelle

Sydney, Australia

SL

Samuel Le

Seattle, WA, United States

Franmiguel

Perth, Australia

Fabian Linzberger

Vienna, Austria

U

Ulrich

Switzerland

JC

Jane Cohen

United States

MW

Matt Willis

United States

P

Patty

Colorado Springs, United States

Thomas

Basel, Switzerland

JD

Jo Dane

Melbourne, Australia

Dominik Wagner

Karlsruhe, Germany

PT

Pattie Thomas

United States

jtreyes

United States

V

Vivek

Arlington, VA, United States

PR

Paul Rausch

United States

Akirahugo

Dortmund, Germany

wissam

Jeddah, Saudi Arabia

Surya Setiyaputra

Sydney, Australia

D

Daniel

United States

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