Inventory clothing, underwear for online shop

Endang

Tangerang, Indonesia

100% 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

Purchasing clothes / negligee / underwear follows; __- clothes 20pcs (1kodi) x 3 = $ 60 usd __- Underwear 40pcs (2kodi) x usd 1 = USD 40____Keuntungan of sales USD 0.5 and the goods sold always repeat orders to suppliers. Clothes / negligee / underwear are clothes consumptive always required by every person.

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

Pembelian baju/daster/underwear sbb ;
- Baju 20pcs (1kodi) x usd 3 = USD 60
- Underwear 40pcs (2kodi) x usd 1 = USD 40

Keuntungan dari penjualan USD 0.5 dan barang yang dijual selalu repeat order ke supplier. Baju/daster/underwear merupakan baju konsumtif yang selalu diperlukan oleh setiap orang.

Feedback

3

None

None

  • J    Sep 1, 2018

    Neat on time repayment and excellent status updates with photos.

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    • Endang    Sep 1, 2018

      Terimakasih atas dukungannya Mr. Joost, sehat selalu untuk Anda.

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Loan Info

Project Type

Classic Loan

Disbursed amount

$100.00

Date disbursed

Sep 14, 2015

Repayment status

On Time

Projected term

3 months

Lenders

D

Diana

Germany

PG

Paul Graham

United States

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  • Joshi    Sep 25, 2023

    Hi Endang, how are you doing?

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  • Joshi    Oct 19, 2022

    Checking again Endang. Hope you and your daughter are doing well.

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  • Joshi    Aug 10, 2021

    Hi Endang, how are things with you? Have you been able to get vaccine yet? Stay safe.

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  • Joshi    Apr 8, 2021

    Endang,
    Its been over a year since we all have been through these tough times caused by COVID. Hope you and your daughter are doing well. Take care.

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  • Joshi    Jan 5, 2021

    Wish you a great new year Endang. Hope we all get our vaccines and can get back to normal life.

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    • Endang    Jan 18, 2021

      Hello Joshi, happy new year too. Sorry, just replied to the message. I haven"t appeared here lately to care for my father who is sick. And, my father passed away on Saturday at the age of 76, because of complications (heart, kidney, lungs). Thank you Joshi, the best for all of us.

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      • Joshi    Jan 24, 2021

        Oh. Sorry to hear about your dad passing away Endang :-( ......

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  • Joshi    Dec 1, 2020

    Hi Endang, hope you are doing well. See this post in the forum - www.zidisha.org/forum-threa... Maybe you can show her how to make the repayment?

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  • Kurnia    Oct 10, 2020

    hi tth endang can i still make a loan at zidisha

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  • Joshi    Oct 8, 2020

    Hi Endang,
    its just over 4 months since we last talked and the virus is still here :-(. I guess we all need to accept that it is going to be quite some time before things go back to normal. Hope you two are doing well. How is your daughter coping with online school? Its not easy. Well, stay healthy and take care. All the best.

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    • Endang    Oct 10, 2020

      Hello Joshi, thank you very much for your attention. Sorry, I was only able to reply because the internet data package is running out. :( Yeah, it"s been 4 months and things are getting worse because currently there is no income from online sales, maybe people would rather save money to buy food than buy clothes. Me and my daughter are doing well, she can take online lessons even though it"s more effective when studying directly at school. Time is running faster, it seems like just yesterday my daughter graduated from elementary school, but this week she has taken the Mid-Semester Assessment. Always healthy for you Joshi, all the best for you and for the Lenders here. and stay strong.

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    • Kurnia    Oct 10, 2020

      hello sorry in advance, can those who live in Indonesia register and get business capital loans

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  • Joshi    Apr 29, 2020

    Hello Endang,
    hope you and your daughter are safe and are managing to pull on in the current crisis. Hope we get some solution for the virus that will help things return to normal. Take care.

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    • Endang    May 9, 2020

      Hi Joshi, sorry I just replied, just now there was more money to buy an internet package so that I got back internet access to enter Zidisha"s website. Thank you Joshi, my daughter should be currently in the Final Examination for junior high school entrance, but because the current situation is not possible, my daughter will probably graduate from elementary school without graduation ("Corona" Force). Schools are closed for 3 months, and monthly school fees must be paid upfront. :( Thank you for your attention, be careful too for you.

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      • Joshi    May 29, 2020

        Glad to hear from you again. I understand the disappointment about graduation. Looks like we all need to live with Corona for few more months. Do you find people buying more from online stores like yours? Are you finding it difficult to get the material you need?

        (Joost, nice to see you here again! I have not heard anything from Mimin over last few months. Have you?)

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        • Endang    May 29, 2020

          My daughter was sad because she could not celebrate graduation with her friends. But surely it must "make peace and be patient" with the current situation. Even for the next level of school, there is still no certainty of going to junior high school, which is because schools are still closed. For my online business, it was very affected because the stock of goods was almost gone while there were no goods at the supplier because the workers were closed so that they temporarily stopped producing goods. Hopefully this virus outbreak passes quickly so that things can return to normal as usual. Always be healthy for Joshi, Joost, all lenders and Zidisha management, God bless you all, Ameninn.

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          • Bastiaan    May 29, 2020

            Hello Endang, we are all rooting for your health, happiness and success.

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            • Endang    May 30, 2020

              Thank you Bastiaan for your attention, always healthy for you and all of us.

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  • Endang    Apr 6, 2020

    Dear Lenders, Sorry, I reduced the amount of the installment. Because of the covid19 virus outbreak, sales have become very quiet, and the USD exchange rate is also high in Indonesia, so the amount of installments to be paid is also greater than it should be. For example in rupiahs of Rp. 40,000, - after making a payment, the account debited becomes Rp. 43,198 (2 weeks ago). Today I made a payment of Rp. 20,000, - the account is debited to Rp. 21,443. Hopefully the covid19 outbreak will pass quickly, so that things will return to normal. Thanks.

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  • Endang    Jan 14, 2020

    ...

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    • Joshi    Jan 14, 2020

      uh oh, this is serious! I am glad to read below that it didn't enter your house. Must have been a scary experience :-( . Looks like weather is being erratic all over the world.

      All the best in your search for your daughter's next school! "Junior high school" - that is a milestone for both of you :-) Take care.

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      • Endang    Jan 14, 2020

        Thank you for your attention Joshi, be careful too :)

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  • Joshi    Jan 13, 2020

    Endang,
    wish you a very happy new year! Have been busy lately so am wishing little late. Hope the holiday season was good for your business.

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    • Endang    Jan 14, 2020

      Dear Joshi, happy new year too, hopefully this year can be more successful than the previous year, and also health is paramount. Earlier this year, in my home area in Tangerang, it was flooded, fortunately the flood did not enter the house, only in front of the street of the house, the flood water level reached the height of an adult"s calf, which caused electricity to go out for 24 hours, so that all activities were interrupted. Right now my sales are slowing down a little, because I"m busy with meetings at my daughter"s school in order to find a school for the next stage in junior high school. Thank you Joshi, always healthy.

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  • Endang    Dec 25, 2019

    Dear all,

    Christmas is about spending time with family and friends. It's about creating happy memories that will last a lifetime. Merry Christmas and a Happy New Year to you and your family. :)

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  • Joshi    Oct 14, 2019

    Endang,
    all the best to your daughter as she starts high school!

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    • Endang    Oct 14, 2019

      Helllo Joshi, Thank you for your attention to both of us. Currently my daughter is undergoing the Midterm Examination, hopefully getting good test scores so that it will make it easier to enter junior high school. I have 6-8 months left until my daughter enters Middle School, hopefully everything will be easier for us. Always healthy for you, may happiness always be with you. :)

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  • Endang    Sep 16, 2019

    Dear Lenders, because I am preparing an advance for my daughter to enter junior high school, then I will continue to pay in installments of Rp. 100,000 per week. Please understand, thank you.

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  • Endang    Aug 17, 2019

    Dear Lenders, Today, August 17th, we Indonesians celebrate Independence Day, always my Indonesia. Hopefully all of us can live peacefully in this world.

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    • Joshi    Jun 7, 2019

      Endang,
      glad to know that things are going well. So nice of you to take care of your family and friends. God bless you.

      Enjoy your time with your daughter. Take lots of pictures - she will grow up in no time and when you view the pictures 20 years later, you will marvel at how things were!! All the best to her for the tests.

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  • Endang    May 2, 2019

    Dear Lender, In the next 3 months, I will have a lot of unexpected expenses for the costs of fasting, Eid al-Fitr and re-registration of my daughter"s school. Therefore, ask permission to reduce the amount of installments during the months that require additional expenditure. Thank you, I hope everything is always healthy. Greetings, Endang

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    • Katie    May 15, 2019

      Happy fasting, Endang!

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      • Endang    May 15, 2019

        Thank you Katie for your attention, I hope you are always in good health

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    • Joshi    Mar 2, 2019

      Endang,
      nice to know about progress of your online business. And more importantly, about your daughter's progress to high school :-) All the best to her for her semester final.

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      • Endang    Mar 3, 2019

        Thank you Joshi, thanks for your concern :)

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