Apparel stocks and kitchen tools

Endang Rusmiati

Tangerang, Indonesia

100% repaid

Entrepreneur

Name

Endang Rusmiati

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

I am selling various household needs, such as clothing, kitchen tools. Clothes that I sell is clothing for children and women, while the kitchen appliance such as a food containers, water bottles, flasks, and others. For this time I apply for a loan fund to increase the stock of goods that have been depleted and also to purchase a new product.

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

Saya berjualan aneka kebutuhan rumah tangga, seperti pakaian, alat dapur. Pakaian yang saya jual adalah pakaian untuk anak-anak dan wanita dewasa, sedangkan alat dapur seperti wadah tempat makanan, botol minum, termos, dan lain lain. Untuk kali ini saya mengajukan permohonan pinjaman dana untuk menambah stok barang yang sudah habis dan juga untuk membeli produk baru.

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Loan Info

Project Type

Classic Loan

Disbursed amount

$469.15

Date disbursed

Oct 27, 2016

Repayment status

On Time

Projected term

3 months

Cost to entrepreneur

Service fee: $22.07

Lenders

C

Christian

Saarbruecken, Germany

Andre

Hamburg, Germany

COOPITALIST

Toronto, Canada

KyRoamer

Louisville, Kentucky, United States

Scott

Oregon, United States

K

k9rich

Bay Shore, United States

F

FHult

Stockholm, Sweden

johnandmoliehi

Canton, New York, United States

MienDeGraeve

Ouagadougou, Burkina Faso

A

AlexCheng

Seattle, United States

L

lujabe

Melbourne, Australia

tasos

hove, United Kingdom

SeeMeeFi

Ontario, Canada

R

rholden

glen iris, Australia

mtnsailor

Harrisonburg, United States

E

erogers

Vancouver, Canada

Sunnyside

Stafford, United Kingdom

I

IDGflygirl

New Jersey, United States

mrgonzalo

San Francisco, CA, United States

W

willemsenphilippe

Edegem, Belgium

M

marcmesich

Kaohsiung, Taiwan

K

kingcamo1095

Mountain Home, United States

Hank

Göteborg, Sweden

B

BMcDermott

Washington, DC, United States

M

mzhope

Harrisburg, United States

MrMichigander

Marquette, United States

M

martyb

United States

SBlue1

Germany

Matching Fund

Sterling, United States

M

Mullagh

United Kingdom

N

nycjen

United States

P

PietjeP

Eindhoven, Netherlands

Paul Buchheit

Mountain View, United States

B

bugdaniel

Switzerland

J

jsbisa

New Orleans, Louisiana, United States

B

bscent

Hong Kong

M

Manley

Windermere, United States

WiscoHorndog

United States

K

Keith

Luxembourg

Otto Barten

Amsterdam, Netherlands

B

Bennphoto

United Kingdom

D

ddm08

United States

C

cactusgirl

London, United Kingdom

M

MicroLender53

United States

Y

Yanque

Madrid, Spain

C

Crainster

Chapel Hill, United States

P

pnrjulius

United States

S

Symoneous

Netherlands

Gab

Singapore

A

AER

Germany

TM

Theo Mbise

Switzerland

W

Wade

United States

MB

michael breen

United Kingdom

The Bayiates Family

Chicago, IL, United States

C

Chitti421

United States

JA

Jared Anthony

CT, United States

E

erica

antwerpen, Belgium

BK

Brianne Keyes

United States

George

Corvallis, Oregon, United States

S

Stein

Diest, Belgium

ME

Manaal Eisa

Washington DC, United States

F

Florian

Munich, Germany

CNV

United States

Cristina Huesch

Canberra, Australia, Australia

RM

Robert Mulley

United States

TH

tom hd

United Kingdom

Carla

Amsterdam, Netherlands

Framework Eyewear

Utrecht, Netherlands

NO

Nancy Owen

United States

B

Brent

United States

Pedro R-C

Cambridge, United States

Martin Nielsen

Aarhus, Denmark

JF

Jason Foti

United States

F

Frits

Rotterdam, Netherlands

M

Mart

United Kingdom

D

Daniel

United States

PG

Paul Graham

United States

JM

john meserve

United States

Danny Su

United States

Aylsham Rotary

Aylsham, Norfolk, Uk, United Kingdom

P

patricio

Yorba Linda, Ca, United States

AH

ajay hampapur

United States

J

Jeff

United States

N

Nick

United States

E

eriklonnroth

United Kingdom

TJ

Tovah Jordan

United States

Aran Dunlop

United States

André Pinto

Brussels, Belgium

Kyle Holohan

United States

I

Irene

Switzerland

DL

Dan Lawrence

United States

Douglas St Quintin

Sydney, Australia

Rosario von Li

San Jose, Ca, United States

A

Andrei

United States

A

Adam

United Kingdom

Arnaud M

Sydney, Australia

DD

David deSouza

United Kingdom

Heidy

N J, United States

MK

Mic Ko

United Kingdom

AG

abel ghita

Bucharest, Romania, Italy

B

Bramlage

United States

IH

Isaac Hileman

United States

MT

Marco Tietz

United States

Der Dooley

Dublin, Ireland

Rory McLaughlin

Dallas, United States

Thomas

Sweden, Sweden

L

LK

United States

Y

YTSJ

London, United Kingdom

Sigrid

Belgium

D

Dermo

Dublin, Ireland

TW

Tyler Wood

United States

JC

Justin cohan

United States

S

stevensau

United States

KE

Karen Epolito

Syracuse, NY, United States

FJ

Flo Jo

United States

GG

Gituru Gitumbi

Seattle, United States

YV

Yuri Vanin

United States

V

Vidar

Oslo, Norway

Joelle Steiver

Brumunddal, Norway

Claire

San Fransico, United States

DS

Dana Smith

United States

S

Stephanie

Zurich, Switzerland

AC

Aaron Curtis

United States

I

isaac

United Kingdom

DK

Danny Kelly

United States

JC

juli camrud

United States

RC

Rudi Chen

United States

B

Boris

Bern, Switzerland

SB

Sue Bucholz

Sacramento, United States

E

Elynne

United States

K

Kraig

United Kingdom

HPK

Switzerland, Switzerland

K

Kenny

United States

J

jmfaber

Amsterdam, Netherlands

KirstenAlana

Los Angeles, United States

Myria

New Mexico, United States

Angela Linwood

Minneapolis, Minnesota, United States

HH

Heidi Harris

United States

C

Carlene

United States

TO

Thomas O'Neil

United States

Craig Newmark

United States

The Zinc Team

San Francisco, United States

Humble Bundle Community

San Francisco, United States

A

Anonymous

United States

M

Margaret

United States

A

Anonymous

United States

Paul Buchheit

Mountain View, United States

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