Kaimuddin

Kabupatern Gowa, Indonesia

100% repaid

Entrepreneur

Name

Kaimuddin

Member since

May 2013

On-time repayments

48 installments  •  31%

About Me

i had worked in a marketing for 12 years, but last year i decided to quit because my family is often left out when i had to go out of town especially when I was still living in a contract house so my wife and small son still need attention and love(.) After I decided to quit i was unemployed a few months and then moved to my brother's house which was a coincidence because I had to save for a start up capital on a rice business. Because of my marketing experience, i tried to market it by promoting it through a close friend of mine that owns a restaurant (sari sea). I do delivery by a motor bike that i have, for 1 year the regulars was increasing and I finally decided to
sell my motorbike and used the money as a down payment to buy a pick up truck. With this new payment burden
burden and the responsibility to pay monthly installments, I am motivated I keep continuing to work while trying to keep more regulars with different marketing techniques with other rice entrepreneurs in my area. Because i believe the quality of the rice that i am selling, I keep up the marketing campaign to private hospitals, hotels and restaurants, and the results are very well. At the moment, my deliveries has reached approximately 5 tons / month. Actually I want to extend this business by applying for a credit through the local bank but i was constrained by an assurance, because banks in Indonesia serve not see the outlook for the credit of the business
but more look at the amount of bail. The People's Credit (KUR) which the government lends with a maximum loan of IDR20.000.000, - needs collateral, i even beg but they wouldn't let me without collateral. I don't have a collateral as they request in the form of land under my name or vehicle (due to its status being still on credit), even when I searched the internet, most financial institutions can help small medium businesses in the form of grants and soft money. I want to borrow because I want to expand my business in selling gas tube of 3 Kg and 12 Kg which is
currently I only have a new 50 tube, this effort is beneficial because it is a community staple need.
This LPG (gas tube) is a day source of my revenue as I drive around to the shops every day along with the rice orders from the regulars. With this business plan hopefully I can open new gas cylinder jobs so as to reduce unemployment and to reduce poverty.

My Business

My business is selling staple needs of Indonesian. With an experience and a marketing techniques that I have, my
entrepreneurship can compete with the other rice entrepreneurs. I have a good quality of rice to compete because clean and sort them by hand so that the bran or small stones (from the rice) can be picked out (unlike the machine rice sorting).
Rice business and gas tube has a low risk because the availability of sufficient stocks of rice mills run smoothly, and for the supply of gas cylinders from Pertamina smoothly(.) moreover there are existing LPG station (where the gas tube are sold) in my area.
Monthly income from rice and the gas tube can pay the pickup truck payment and the costs of day to day operations and salaries employees. Details of monthly sales:
Rice:
Cost of IDR6.500/kgX 5000kg (5 Ton) = IDR32.500.000
Selling price IDR7.800X5000kg = IDR39.000.000
Gross income = IDR6.500.000,
it needs regular customers each month outside retail sales where I live.

3 kg gas cylinders:
Cost of IDR11.250X50 Tabung(tube) X26 Day = Sales price IDR14.625.000
Revenue IDR12.500X50 TabungX26 Day = IDR16.250.000
Total gross income = gross gas cylinders and rice by IDR8.125.000

Monthly fee:
= IDR2.752.000 car(pick up truck) monthly payment,
electricity / telephone = IDR150.000,
employee wages = IDR1.200.000,
fuel = IDR900.000,
Other = IDR1.000.000
Total cost = IDR6.002.000

Net income= IDR8.125.000-IDR6.002.000 = IDR2.123.000

We would like to add gas tube 500 tube more to fit to the demands of our regulars. If we have 500 gas tubes, the average revenue would be around 250X IDR1.250 = IDR312.500 per day X26 Day = IDR8.125.000
Currently my rice revenue is around IDR65.000.000. If i can get additional capitals for IDR150.000.000, -
($ 15,000) I could pay with an interest rate as much as 10.5% per year for a period of 36 months and even less if my business grows faster. With the information i got from the internet then i am trying to propose this loan without collateral. With only trust because i personally am afraid to not be able to fulfill my duty and responsibility, because i optimistically to keep trying so i brave myself(,) even more to the fact that my business is selling people's basic need. Lenders can also collect my payments through my credit card to guarantee more (in case of) arrears. With a credit card that has been listed through paypal i am sure online payment will be smooth and safe. We also want to offer lenders who want to invest on cooperation construction of a more modern rice mills in our special Indonesia areas with land / our proprietary location or warehouse development for LPG agency. With the benefit system agreed. Similarly, business description which we struggled so far, the attention and good working before we say Thank you.

Loan Proposal

I was confused on itemizing this loan (of zidisha) because an additional capital to IDR977517 ($100), i can only get 6 gas tube while I need 500 gas cylinders at IDR 135.000 per tube and the rest for buying rice (as a capital)

Cost for buying rice and 3kg (1 pc) gas tube

Rice:
Price IDR6.500/kgX 12.500kg (12.5 Ton) = IDR81.250.000

3 kg gas tube:
Price IDR135.000X500 = IDR67.500.000

The total capital i need is IDR148.750.000

We would like to add another 500 gas tube accordingly to our customers' request. If i can fulfill this demand then my average revenue 250 tube per day for a refill exchange at the grocery store with a daily earning = 250X IDR1.250 = IDR312.500X26 Day = IDR8.125.000

At the moment my revenue (of selling) rice is more or less IDR65.000.000. If i can get a credit as an additinal capial for my rice and gas tube business as much as IDR150.000.000, - ($ 15,000) i can pay the loan with 10.5% interest rate per year for a period of 24 months and even less if my business expands faster. With the information i got from the internet then i am trying to propose this loan without collateral. With only trust because i personally am afraid to not be able to fulfill my duty and responsibility, because i optimistically to keep trying so i brave myself(,) even more to the fact that my business is selling people's basic need. Lenders can also collect my payments through my credit card to guarantee more (in case of) arrears. With a credit card that has been listed through paypal i am sure online payment will be smooth and safe.

Show original Bahasa Indonesia  

About Me

I am a marketing first for 12 years, 2
This last year I decided to stop
because my family is often left to
out areas especially when I was still
contract house so my wife and son
small still need attention and love
dear parents, after I decided to
stop was unemployed a few months and
then my brother moved home
coincidence is not livable, because I had
then I use a little savings for capital
rice business. Because of my marketing
experience
The capacity for businesses trying to market
these days
day after my promotion to a friend - a close
friend,
restaurant (sari sea). I do
delivery motor life that I have, during
1 year I run my subscription more
increases and finally decided to
selling vehicles for pickups advances,
with a pickup truck that I had
burden and the responsibility to pay
monthly installments, with the burden of this
motivated then I continue to work, then
I try to keep looking subscriptions
with different marketing techniques with
entrepreneurs rice is in my area,
because of my belief in the quality of rice could
I try to keep up the campaign
to private hospitals, hotels and restaurants
and the results are very well.And until now
has reached approximately 5 tons / month.
Actually I would like to further develop
This effort to apply for credit
to the bank but i still constrained problem
assurance, because banks in Indonesia serve
not see the outlook for the credit of the business
but more
look at the amount of bail. Credit funds even
(KUR) which the government
by credit under IDR20.000.000, - no
bail, but after I beg nonetheless
There is no guarantee in the form of land title or
reg
vehicle, even I searched the internet
financial institutions that can help
small medium businesses in the form of grants
and soft money. Desire to borrow in
bank because I want to add my efforts to
selling gas cylinders 3 Kg and 12 Kg which is
currently
I have a new 50 tube only, this effort I
see a community staple. This LPG-day source of
revenue
day as I drove to the shops every day
along with rice orders from
subscription. With the business plan
I can open the gas cylinder jobs
new ones so as to reduce unemployment and to
reduce poverty.

My Business

My effort is a basic requirement
Indonesian society. With experience and
marketing techniques that I did my
entrepreneurs can compete with rice
other. I have rice quality and
quality to compete because I do sorting
manually so that the bran or small stones
even out of the manual screening.
Rice business and prospects and the gas cylinder
is very
the risk of business failure is minimal because
availability of sufficient stocks of rice mills
smoothly,
for the supply of gas cylinders from
Pertamina smoothly moreover existing station
LPG refueling SPBE my area.
Income from rice and the gas tube
monthly car payment can be
and the costs of day to day operations and
salaries
employees. Details of monthly sales:
Rice:
Cost of IDR6.500/kgX 5000kg (5 Ton) =
IDR32.500.000
Selling price IDR7.800X5000kg = IDR39.000.000
gross income = IDR6.500.000, it needs
fixed subscription each month outside sales
retail around where I live.
3 kg gas cylinders:
Cost of IDR11.250X50 TabungX26 Day =
Sale price IDR14.625.000 IDR12.500X50
TabungX26 Day = IDR16.250.000 Revenue
IDR1.625.000 total gross income = gross
gas cylinders and rice by IDR8.125.000
Monthly fee:
= IDR2.752.000 car payments, electricity /
telephone = IDR150.000, employee wages =
IDR1.200.000, fuel
= IDR900.000, Other = IDR1.000.000 total
Total cost = IDR6.002.000 net income
= IDR8.125.000-IDR6.002.000 = IDR2.123.000
We would like to add gas tube 500 tube fit
number of subscription requests. If the gas tube
500 tubes the average turnover of 250 tubes
per day with a daily income 250X IDR1.250
= IDR312.500X26 Day = IDR8.125.000
Currently I have achieved a turnover of rice
I can more or less IDR65.000.000.Jika
credited to additional capital
rice and gas cylinders for IDR150.000.000, -
($ 15,000) I could pay with tribal
interest of 10.5% per annum for a period of 36
months and even less from the time period
I set when I was growing businesses
faster. With the information I
This can be the internet then I try to
apply for credit without collateral. With
only then I personally trust capital
so scared not to fulfill obligations
and my responsibility, because I am optimistic
to keep trying then I ventured
moreover this is my business necessity
society. Funders can also perform
billing via credit card for more
ensure longer will credit arrears.
With a credit card that has been registered
memalui
I believe online paypal payment will be smooth
and safe. We also offer to
funders who want to investment cooperation
construction of a more modern rice mills in
Our special Indonesian areas with land /
Our proprietary location or warehouse
development
for LPG agency. With the benefit system
agreed. Similarly, business description
which we struggled so far, the attention and
good working before we say
thank you.

Loan Proposal

Saya bingun untuk merinci pinjaman ini karena kalau untuk tambahan modal sebesar IDR 977517 bagi saya itu hanya dapat sekitar 6 tabung gas sementara yang saya butuhkan 500 tabung gas dengan harga IDR 135.000 pertabung dan sisanya untuk modal beras

Rincian Kebutuhan beras dan tabung gas 3 kg

Beras :
Harga Rp. 6.500/kgX 12.500kg( 12,5 Ton )= Rp. 81.250.000

Tabung gas 3 kg :
Harga Rp. 135.000X500 = Rp. 67.500.000

Total kebutuhan modal sebesar Rp. 148.750.000

Kami ingin tambah tabung gas 500 tabung sesuai jumlah permintaan langganan. Jika tabung gas 500 tabung maka omzet rata rata 250 tabung perhari untuk tukar isi ulang di toko toko dengan pendapatan perhari 250XRp. 1.250 = Rp. 312.500X26 Hari = Rp. 8.125.000

Saat ini omzet beras saya sudah mencapai kurang lebih Rp. 65.000.000.Jika saya bisa mendapat kredit untuk tambahan modal usaha beras dan tabung gas sebesar Rp. 150.000.000,- ($ 15.000) saya bisa membayar dengan suku bunga 10,5% pertahun dengan jangka waktu 24 bulan dan bahkan bisa kurang dari jangka waktu yang saya tetapkan jika usaha saya berkembang lebih cepat. Dengan adanya informasi yang saya dapat diinternet ini maka saya coba untuk mengajukan kredit tanpa agunan ini. Dengan hanya modal kepercayaan maka saya pribadi sangat takut untuk tidak memenuhi kewajiban dan tanggung jawab saya, karena saya optimis untuk terus berusaha maka saya beranikan diri apalagi usaha saya ini adalah kebutuhan pokok masyarakat. Pendana juga bisa melakukan penagihan melalui kartu kredit untuk lebih menjamin lagi akan terjadinya tunggakan kredit. Dengan kartu kredit yang sudah terdaftar memalui paypal saya yakin pembayaran online akan lancar dan aman.

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Loan Info

Project Type

Classic Loan

Disbursed amount

$100.00

Date disbursed

Jul 7, 2013

Repayment status

On Time

Projected term

11 months

Other loans

Lenders

E

Emerald

Pompano Beach, United States

G

GoldenPete

Christchurch, New Zealand

M

mtaylor

Houston, United States

T

tbogz

Singapore, Singapore

mortenmost

Oslo, Norway

M

Marod

Edmonton, Canada

M

MadsN

Oslo, Norway

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  • Kaimuddin    Feb 14, 2015

    Dear. zidhisa __mohon sorry for any delay in payment of me because I had been in decline for a week of business and is already being dimakassar and will begin doing business back. I will be planning a return pinjamanku that had been left behind or delinquent, mudaha - hopefully next month (March) I was able to pay back. for this I feel burdened with loans that I have to finish I would still pay off even though I will not be served again borrowing from zidhisa. sorry again, because there is no intention I want to do arrears.

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  • TheWhiteCat    May 26, 2014

    Dear Kaimuddin,

    Do you have any news of Hasbiah Bia as she appears to have a problem meeting her repayments?

    Best regards

    White Cat

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    • Kaimuddin    May 28, 2014

      Apologize for the delay in replying to comments. I would like to inform you that the members on behalf of Hasbiah Bia unfortunate since last month in which they sell and stall burned down, a fire broke out at a shopping center in Makassar until now there is no clarity from the government granted permission to build a kiosk. But according to Bia Hasbiah he would begin paying back next month, thanks

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  • Kaimuddin    May 7, 2014

    Hello Zidisha and funders, before I apologize for the delay in payment of installment, I inform you that currently I am having financial problems in my business, because of busy outside the city during this time in an attempt to control my out of control so much rice subscription payments not yet collected, while I have to provide a stock of rice so my funds a little constrained, easy - hopefully next week I can solve this problem very well, once again I apologize for this delay.

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  • Kaimuddin    Apr 4, 2014

    Dear. Zidisha and the Pendana__Pembayaran installments on behalf of the High Kaimuddin on 2 April 2014 has been transferred by IDR220.150. High selalu__Kaimuddin successful __Salam

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  • Abdulhamid    Mar 17, 2014

    Selamat siang,

    Saya Abdulhamid Musa pemberi pinjaman pinjaman ABDUL-HAMID FINANCE, Kami menawarkan pinjaman pribadi dan bisnis dengan modal dasar antara jumlah $ 1,000.00 sampai $ 300.000.000,00 dolar AS, Euro Eropa atau Poundsterling untuk individu, perusahaan dan badan usaha berbadan hukum, terlepas dari perkawinan mereka status, jenis kelamin, agama, lokasi, tetapi harus berarti hukum pembayaran kembali pinjaman dalam waktu yang ditentukan dan harus layak kepercayaan dengan tingkat bunga serendah 3%.
    email: [email protected]

    RINCIAN PEMOHON

    * Nama pemohon:
    * Alamat pemohon:
    * Negara:
    * Kota:
    * Jenis Kelamin:
    * Status pernikahan:
    * Umur:
    * Jumlah Pinjaman:
    * Pinjaman Jangka waktu:
    * Pendapatan Bulanan:
    * Pekerjaan:
    * Tel:
    * HP:
    * Jumlah pertanyaan:
    * Apakah Anda berbicara bahasa Inggris?
    * Apakah Anda diterapkan sebelumnya?

    kami menunggu respon mendesak Anda.

    Hormat kami,
    Mr Abdulhamid
    M / D Abdulhamid Keuangan

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  • Kaimuddin    Mar 6, 2014

    Dear Lenders, I wish to inform that some members of law zidisha I've already got a loan and make payments, if I invite members of defaults on loan payments then I will help to completion, I invite members are those that can be justified, problems that will arise in the future I will be accounted in the event of things - things that are not desirable, because I want zidisha still be present in helping small to medium sized businesses around the world since zidisha member is a member who strictly selected and receive the member either personally or register sign up by invitation, as a member of the borrower zidisha I always try to keep my personal self confidence and well I invite members to join in zidisha. I invite members of the criteria is to have a clear effort, has not received financial aid from banks, private residence is not rented, the person is always in touch with me, subscription rice and LPG, which is also the ultimate responsibility and trust and is committed to pay the loan back to the funders.

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  • Kaimuddin    Mar 6, 2014

    Zidisha Team._Saya already transfer installments on February 5, 2014, amounted to £ 250.567._Saya thank to thank all of the funders who have helped me provide additional capital selalu_Kaimuddin successful usaha._Salam High

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  • Kaimuddin    Mar 5, 2014

    Unsecured loans in microfinance zidisha very beneficial for small and medium businesses, banks - banks in Indonesia which offers loans without collateral requirements are very difficult turned out why because it must have a credit card. Unlike in the capital only Zidisha National Identity (ID), but potential borrowers zidisha is a person who is trustworthy and committed in megembalikan loans from funders, funders will be happy to help if funds provided dipergunankan to increase venture capital, loan funders provide objective that the small and medium businesses can compete. Hopefully funders through Zidisha continue to be able to help small and medium businesses worldwide. Greeting all the success.

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  • Kaimuddin    Mar 5, 2014

    To join zidisha is not difficult, but not all were applying for loans received, if you really - really good read with the loan application fast certainly understand, zidisha as a mediator in linking funders and lenders online, the borrower must provide identity data are correct and that The main thing is trust and good intentions to repay, these loans are very beneficial for the development of the business if there is a commitment to it, period, interest rate, which specify please, please send an email to [email protected] for more info.

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  • mortenmost    Feb 21, 2014

    Dear Mr Kaimuddin, saya senang melihat bahwa Anda telah melunasi pinjaman Anda sudah. Itu adalah kenikmatan untuk membantu Anda, dan saya berharap Anda keberuntungan dalam mengembangkan bisnis Anda lebih lanjut.

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    • Kaimuddin    Feb 21, 2014

      Dear Mortenmost, thank you for your first loan assistance has been given to me, my loan is paid off thanks to the trust and responsibility that is incumbent should I carry, I care business principles, beliefs, developing, I also hope that success is always and constantly Mortenmost continue to help provide capital loans to the needy .__ May we all be always together Zidisha in the long term for giving space between the borrower and the funding without borders .__ Greetings success of my High Kaimuddin

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  • Kaimuddin    Feb 21, 2014

    Thanks to all the donor who has given my first loan through Zidisha, with his help is very beneficial for the survival of my business I have gained confidence in the first loan and the second loan to this I added spirit will continue to maintain the trust placed in the manage loan, because trust is a key to success in running the business. Hopefully this second loan can help me more motivated to continue joint efforts in developing Zidisha, I hope Zidisha continued success in mediating businesses by connecting between the borrower and the funders. Zidisha continued success in the mission vision .____ High Sukses__Kaimuddin Greetings

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  • Kaimuddin    Feb 19, 2014

    Dear .__ Team____Angsuran Zidisha loans on behalf of the High Kaimuddin on 20 February 2014 at £ 286 012 with record numbers 5201 .____ your success always __Kaimuddin High

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  • Kaimuddin    Feb 19, 2014

    Dear. Zidisha Team ____Saya attach proof of payment printout BRI account books that I use transfer installments to the account of BNI zidisha on February 7, 2014 at IDR100.000. If this evidence does not match that of the account books BNI Nyoman irianto Authority on the date of the transfer means I have not verified, I confirmed that the Syariah BRI bank to transfer the incoming kerekening AN BNI. Nyoman irianto Authority with account number 0222961870 and if in check the account every month there must be an excess balance of the total borrowers who already make installment payments, please take notice of zidisha regarding installments on behalf of the High Kaimuddin which until now has not entered into my loan account. If proof of the transfer on the account books BRI Syariah me this is not true, once again beg the info, the help and good cooperation pronounced a success thanks .____ Salam High __Kaimuddin

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  • Kaimuddin    Feb 16, 2014

    Designation. Zidisha Team____Mohon explanation why installment payments on behalf of the High Kaimuddin transferred on February 7, 2014 has not entered into a loan account, I transfer at IDR100000. I can not send proof of transfer because at that time ATM receipt paper out so printout, but I can not remember the number recordnya 8845. At that time I put on a debit card to transfer through ATM BRI BNI.Pembayaran me please in check on transactions in the account of BNI Nyoman Irianto Authority. If all members of the borrowers had payment transaction there would be a surplus balance on the account. We checked the account, I feel disadvantaged because of the current credit limit limit down. Thank you for your attention and help .____ Success selalu__ High Kaimudin

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  • Kaimuddin    Feb 15, 2014

    Designation. Zidisha Team__Pembayaran installments on behalf of the High Kaimuddin on February 7, 2014 Date of £ 100,000 with a record number of 8845 has not been entered in the accounts I beg loan was told the cause of this delay. I also had a second transfer installment payments on behalf of the High Kaimuddin much as £ 100 567 with a record number 3687. attention please thank kasih__Salam High sukses__Kaimuddin

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  • Kaimuddin    Feb 12, 2014

    To Dear .__ Team zidisha____Sampai current installment payments on behalf of the High Kaimuddin yet credited, installments paid on February 7, 2014, with reference number 8845 through the transfer Debit Card BRI to BNI for IDR100.000. I infokan usually transfers between other banks entered kerekening goal on 8 February 2014. Regards please infonya .__ High sukses__Kaimuddin

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  • Kaimuddin    Feb 9, 2014

    Designation. Zidisha Team__Pembayaran installment on the date, February 7, 2014 amounted to £ 100,000 has been transferred to the High sukses__Kaimuddin reference number 8845__Salam

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  • Kaimuddin    Dec 7, 2013

    Dear, Zidhisa Team installment payments on behalf of the High Kaimuddin for the month of December 2013 was paid on December 7, 2013 amounted to £ 150,000, with a record number 4781. I did early repayment due on December 8, 2013 to intensify planting clove trees on plantations my inaccessible private vehicles because the road conditions are just passable trucks. Seeing the weather conditions are unpredictable so I choose to pay early and so there is no delay. Thanks Success always Kaimuddin High

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  • Kaimuddin    Oct 15, 2013

    Dear .__ Zidhisa and funders ....__ installment payments on behalf of the High Kaimuddin dated October 15, 2013 has been delayed due to start on 12 s / d October 15, 2013 in Indonesia applicable in the context of the national holiday of Eid al-Adha, the Internet network in the region where I am on vacation impaired so that no delay me information about installment payments, the possibility I could only get access to banking for payment on October 17, 2013, because I was out of town precisely clove plantation areas far from the district town, with this delay and I apologize to the next easy - I hope there are no more obstacles holiday or other festivals, always with success Salam __ High zidhisa__Kaimuddin

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  • Kaimuddin    Oct 3, 2013

    Dear. zidhisa microfnance installment payment period .____ I"ve entered the months to 3, if after payment of third installment of this I was able to apply for an additional loan? and what if the payment to pay off this 3 I immediately just because my actual payment of funds for the payment of installments already available in the account balance for this, an additional plan of this loan would be used to purchase additional 3 kg gas cylinder. Due to the ever increasing demand for gas cylinders especially my subscription finished and stalls selling food. I would add 3 kg gas deposit my subscription again. Thanks to all the funders who have helped me in these loans hopefully our efforts all the more smoothly and constantly evolving so that future members zidhisa borrowers increasingly assisted in developing their business and really - really use their loans for their business or for things - positive things for his family life Success is always Zidhisa Microfinance__Kaimuddin .____ High

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