Supplies various kinds of backpacks and briefcases

Nurul

Kendari, Indonesia

Funds disbursed

$0 to go

100% funded of $198 goal

0

days left

Entrepreneur

Name

Nurul

Member since

March 2015

On-time repayments

51 installments  •  29%

About Me

My parents came from Java precisely Sragen, before birth parents join the transmigration program to Kendari around 1970, initially working parents open government land that has been given to all transmigration, because parents have always saving the soul of their business from the results of gardening and farming , a few years later the result was enough savings to use venture capital, the first attempt is ordered clothes from with the help of his brother in Java. They were successful in a number of years lived, eventually they began to enter the market town of Kendari to sell clothes, not long after they sell the place and its location in transmigration areas for the sake of renting stalls in the old market and contract Kendari house, and there he began to evolve and after I was born in the year 1980 I've lived in the old city of Kendari alongside my brothers. I am the third child of four siblings after completing education brother my brother followed in the footsteps of parents as a trader, I own after choosing a family business selling gear bags, bags I sell various kinds such as school bags, briefcases, and bags for travel etc. My initial capital of $ 250 and an additional well from parents. Initially I also sell at the old market Kendari and in 2010 I bought a place in the new market area Kendari until now. Goods that message directly from Surabaya in bulk. I am now planning to add to the stock of goods as in the store is still a lot of empty space, capital I needed to complete stock of approximately $ 1,500 bag. City bag needs kendari very high especially now emerging in various sectors. Bags are the most widely sought as a backpack for office, school children and students with multiple functions that can be used to save the laptop and also for clothing as well.

My Business

Of business bags that I do this quite prospects and profitable, I usually get sales in one day average $ 100 / day with a net profit of 20% or $ 20 / day, gains the most I can at the beginning of the new academic year at school. I can sell up to $ 250 a day / days upon receipt of a new student at school and at university. The net income (ordinary day) average between $ 20- $ 30 / day. And within one month from the cash-out and cash accounting entry in the store benefits I get to be around $ 300- $ 350 / month. Already out exit costs of family requirements, the cost of electricity, water charges, the fees hygiene. I hope the presence of a venture capital loan funding through zidhisa could provide a stock of goods and increase sales revenue.

Loan Proposal

My second loan fixed for venture capital and adds back the purchase of goods, namely backpacks, wherein the first loan purchase a backpack as many as 10 pieces and the second loan will increase again because of the profit from the sale of additional capital as well as this second loan which I plan to use it again to buy a backpack about 30 pieces with prices around $ 290. During use the first loan I"ve twice done orders of goods. The total orders I had planned on both loans and venture capital itself has been able to increase to 150 pieces with various models of bags are another trend in society, the number of orders of about $ 1,450. I hope my efforts remain successful and increased both in terms of revenues and in terms of procurement. This second loan Somoga continue to provide more benefits in my bag business continuity.

Show original Bahasa Indonesia  

About Me

Orang tua saya berasal dari Jawa tepatnya Sragen, sebelum lahir orang tua ikut program transmigrasi ke Kendari sekitar tahun 1970, awalnya orang tua bekerja membuka lahan yang telah diberikan pemerintah kepada seluruh transmigran, karena orang tua memiliki jiwa bisnis mereka selalu menabung dari hasil berkebun dan bertani, beberapa tahun kemudian hasil tabungan sudah cukup untuk dipakai modal usaha, usaha pertama yang dilakukan yaitu memesan pakaian dari dengan bantuan saudaranya di Jawa. Usaha mereka berhasil dalam beberapa tahun dijalani, akhirnya mereka mulai masuk pasar kota Kendari untuk menjual pakaian, tidak lama kemudian mereka menjual tempat dan lokasinya di kawasan transmigrasi demi menyewa kios di pasar lama Kendari dan kontrak rumah, disitulah mulai berkembang dan setelah saya lahir pada tahun 1980 saya sudah tinggal di kota lama Kendari bersama saudara saudara saya. Saya anak ketiga dari empat bersaudara setelah menyelesaikan Pendidikan Saudara saudara saya mengikuti jejak orang tua sebagai pedagang, saya sendiri setelah berkeluarga milih usaha menjual perlengkapan tas, tas yang saya jual berbagai macam seperti Tas Sekolah, tas kantor, dan tas untuk travel dll. Modal awal saya sebesar $250 dan ada tambahan juga dari orang tua. Awalnya saya juga menjual di pasar lama Kendari dan pada tahun 2010 saya membeli tempat di kawasan pasar baru kota Kendari sampai sekarang. Barang barang yang pesan langsung dari Surabaya secara grosir. Saya sekarang berencana menambah stock barang karena di toko masih banyak ruang yang kosong, modal yang saya butuhkan untuk melengkapi stock Tas sekitar $1500. Kebutuhan tas di Kota kendari sangat tinggi apalagi sekarang sedang berkembang di berbagai sektor. Tas yang paling banyak di cari adalah tas ransel untuk kantoran, anak sekolah dan mahasiswa dengan fungsi ganda yaitu bisa dipakai memyimpan laptop dan sekaligus untuk pakaian juga.

My Business

Dari usaha tas yang saya lakukan ini cukup prospek dan menguntungkan, saya biasanya mendapat penjualan dalam satu hari rata rata $100/ perhari dengan keuntungan bersih 20% atau $20/ hari, keuntungan yang paling banyak saya dapat pada saat awal tahun ajaran baru di sekolah. Saya bisa menjual sampai dalam sehari $250/ hari pada saat penerimaan siswa baru disekolah dan di universitas. Adapun penghasilan bersih ( hari biasa ) rata rata antara $20-$30/hari. Dan dalam satu bulan dari hasil pembukuan kas keluar dan kas masuk di toko keuntungan yang saya peroleh bisa mencapai sekitar $300-$350/ bulan. Sudah keluar keluar biaya keperluan keluarga, biaya listrik, biaya air, biaya retribusi kebersihan. Saya berharap dengan adanya pinjaman modal usaha dari pendana melalui zidhisa bisa menyediakan stock barang dan meningkatkan penghasilan penjualan.

Loan Proposal

Pinjaman kedua saya tetap untuk modal usaha dan menambah kembali pembelian barang yaitu tas ransel, dimana pada pinjaman pertama pembelian tas ransel sebanyak 10 piece dan pada pinjaman kedua akan bertambah lagi karena adanya keuntungan dari penjualan serta tambahan modal pinjaman kedua ini yang saya rencanakan akan menggunakannya kembali untuk membeli tas ransel sekitar 30 pieces dengan harga sekitar $290. Selama menggunakan pinjaman pertama saya sudah dua kali melakukan orderan barang. Adapun total orderan yang saya rencanakan pada pinjaman kedua serta dengan modal usaha sendiri sudah bisa meningkat menjadi 150 pieces dengan berbagai model tas yang lagi trend di masyarakat, jumlah orderan sekitar $1.450. Saya berharap usaha saya tetap sukses dan meningkat baik dari segi pendapatan maupun dari segi pengadaan barang. Somoga pinjaman kedua ini terus memberikan manfaat yang lebih dalam kelangsungan bisnis tas saya.

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Loan Info

Project Type

Classic Loan

Disbursed amount

$198.00

Date disbursed

Aug 10, 2015

Repayment status

Late

Projected term

7 months

Other loans

Lenders

P

popeye

Cibolo, United States

R

ricka736

Wellington, New Zealand

PG

Paul Graham

United States

E

Eyad

Saudi Arabia

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  • popeye    Dec 3, 2015

    is the Zidisha group working with Nurul Ismi of
    Kendari, Indonesia to get payments posted. It sure sounded
    like Miss Nurul wanted to submit a payment but we see that
    nothing has been repayed to this loan. I do hope all is well with
    Nurul.

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  • Nurul    Aug 9, 2015

    Designation. Zidhisa team .__ We loan funds that have been returned to the Indosat purse for immediate transfer to account number Indosat new purse, so I can make installment payments that have matured. I beg Zidhisa team would be able to pay attention to transfer my loan funds. Thank you

    Translated by Google     Show original

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  • Nurul    Jul 25, 2015

    Dear Tim lenders Zidhisa and I inform my back that loan disbursement transfer error has occurred due to a number 085696766557 Indosat purse is no longer I use because the number has been lost with my mobile phone, the new number indosat Dompetku I informed through these comments and via email before I accepted the offer of the loan, I see that I am melting into the purse account number indosat old, while the new purse Indosat number is 085825372089 hopefully I can loan withdrawn from Indosat and transferred to my new account number is. Thank you for your attention

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  • Nurul    Jul 25, 2015

    Designation. The lender, thank you for giving loans this second venture capital. I"m grateful to have been fully funded, these loans may provide benefits in my efforts .__ I also inform Zidhisa team that indosat account number 085825372089 purse has been turned into the name Nurul ISMI and have my upgrade to a premium, my number before I no longer use since already lost. Thank you for your attention.

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  • Nurul    Jul 24, 2015

    Zidhisa team .__ I have to replace my lost indosat number with the new number 085825372089 in the name Nurul ismi. Thanks .__ Salam__Nurul ISMI

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  • Nurul    Jul 23, 2015

    Designation. Zidhisa team .__ I inform you that the card has been lost with the wallet Freeway my phone. There is already a number of new freeway but not yet upgraded to premium. I will inform my new freeway numbers after diupgrap to the premium, for the attention I thank you.

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  • Nurul    Jul 15, 2015

    Hopefully funders still gives me the opportunity to obtain working capital loans, I would like to thank the funders on my first loan, I have been able to pay off the loan well, although I had experienced delays in the payment of the balance due on the account replenishment services Dompetku delayed, indosat party may be able to provide fast service in charging the balance to make loan payments on zidhisa. Hopefully this second loan could be better in loan repayment, hopefully the freeway can provide good service also .__ May funders can always help the small businesses that can compete with other employers are healthy. __Salam Success always, the best for everyone

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  • Sigit    Jul 8, 2015

    Sorry, sy sigit volunteer your adviser. Are there any constraints regarding zidisha installment? If you feel heavy, it could lower the value of the mortgage

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  • Nurul    Jul 7, 2015

    Thanks funders .__ I get the loans that have been useful in the business of selling bags, although a small loan but is able to provide an increase in the stock. The special loan early I was able to get additional bag purchase as many as 10 pieces and is starting to grow in terms of both revenue and kertersediaan goods in stores .__ Hopefully my business smoothly continue and to funders somoga business was also successful.

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  • Nurul    Jun 24, 2015

    Kepada yth. Zidhisa.
    Saya menginformasikan kiranya dapat membantu para anggota peminjam di Zidhisa untuk melakukan komunukasi dengan pihak Indosat agar memberikan layanan pengisian saldo akun Dompetku dengan membetuk agen atau mengaktifkan pelayanan pada pihak yang telah diajak kerjasama seperti Alfamart dan Indomart disetiap daerah. Perlu saya informasikan juga bahwa pengisian saldo Dompetku melalui transfer bank sangat membebani anggota dari biaya transfer. Saya berharap Tim Zidhisa dapat membantu sehingga pembayaran pinjaman dapat bejalan dengan tepat waktu.
    Atas perhatian dan kerjasamanya diucapkan terima kasih.

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  • Henry    Apr 6, 2015

    congratulation nuru in your business keep it up.

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    • Nurul    Apr 6, 2015

      Thanks Mr. Henry Cheruiyot, all the best your business and the best your business future.

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  • Nurul    Mar 23, 2015

    Hi, zidhisa and lenders always successful greeting, as usual I still run the routine daily activities that sells bags, through this Zidhisa I've got the knowledge which is very meaningful to me, through zidhisa I have seen many lenders from various countries and so many borrowers who apply for loans or loan capital cost of education. Zidhisa has opened my eyes that there are agencies that can provide assistance in individual loans and can directly communicate with funders in Zidhisa. Hopefully Zidhisa still grow together members in helping to introduce to the lender. I really hope Zidhisa and funders continued success in every business.

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  • Sigit    Mar 17, 2015

    Semoga usahanya lancar ya bu, tetap semangat dalam berusaha dalam kondisi apapun pasti akan ada jalan. Terima kasih

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  • Nurul    Mar 14, 2015

    Dear Lenders and Zidhisa. Thanks to a loan that has been granted, the loan funds already I use Bag raise capital purchases, this loan may be useful in my business, I hope funders of the best and every success in business.

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  • Nurul    Mar 8, 2015

    Hi. Zidhisa Tim
    Saya sudah kirim iuran anggota sebesar Rp. 250.000 ini SMS dari 789
    Anda tlah melakukan pembayaran pinjaman Zidisha pd 08/03/15 21:33 sbsr: Rp250,000, Info Zidisha bit.ly/1BKZar0. Ref 117709231.

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  • Didink. K    Mar 8, 2015

    Yth Ibu Nurul Ismi

    Kiriman email mengenai pembayaran iuaran anggota zidhisa menurut beberapa anggota yang ada di bantaeng katanya ada terima email pemberitahuan saya sendiri belum menerima pemberitahuan seperti itu, saya juga melihat dihalaman profil saya seperti ini Bu. Didink. K will also pay a lifetime membership fee of $8.29. This covers:
    Registration Fee: $8.29
    Artinya saya juga akan membayar biaya registrasi anggota zidhisa kalau mengajukan pinjaman kembali, cuma saya lihat jumlah biaya berbeda dengan ibu sebesar $7.72. Saya belum tahu maksudnya kenapa berbeda. Yang saya tahu bahwa sudah beberapa anggota dapat pinjaman dan dipotong melalui pinjamannya sebesar Rp. 250.000. Kalau saya lihat email seperti yang dikirim kepada Ibu Nurul berarti Ibu Nurul di suruh membayar iuran anggota sebelum dana pinjaman Ibu di transfer. Saya baru tahu juga hal seperti ini, karena setelah berlakunya pembayaran iuran anggota itu dipotong dari pinjaman yang akan ditransfer, jadi mungkin ada kebijakan baru lagi dari manajemen zidhisa Bu. Saya juga sarankan silahkan hubungi Volunteer Mentor Ibu karena mungkin dia yang lebih tahu semuanya. Saya tidak lagi menjadi Volunteer Mentor Bu. Namun saya akan tetap memberikan jawaban yang saya tahu tentang zidhisa jika ada yang ingin bertanya kepada saya. Semoga Ibu puas dengan jawaban saya. Sukses selalu Bu Nurul

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  • Nurul    Mar 5, 2015

    Jenis tas yang kami jual seperti tas kantor, tas anak sekolah/mahasiswa, tas travel dan lain lain.

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