To buy the stock of seaweed chips

St. Maryam Dg. Nuna

Jeneponto, Indonesia

Funds disbursed

$0 to go

100% funded of $474 goal

0

days left

Entrepreneur

Name

St. Maryam Dg. Nuna

Member since

January 2014

On-time repayments

51 installments  •  22%

About Me

My name is ST. Maryam, a widower with 2 children. Both of my children has raised their-own family and lived in their own house. Because I am alone in my house therefore I asked my 3 grandchildren to stay in my house and all their needs including education cost I bear for them.
During this time, my business is making Seaweed Chips, whereas the marketing is conducted by my child who lives outstation, this seaweed chips has lots of fans from all level of people because it is spacy, crispy, and nutritious. Besides being marketed in my city especially in shops as the drop location, actually lots of order that I am unable to fulfill because I produce the chips myself with no employer. Further the material for the chips also I am unable to provide due to lack of capital.
I only produced twice a week for roughly 500 packs and in one moths can reached 2000 packs. The retail selling price is IDR 1,000/pack, selling price to shop is IDR 600.

The selling of the chips in 1 month is IDR 600X2000 = IDR 1,200,000 (gross income).

Production cost : with 1 kg of flour can produce more than 40 packs of chips.

In a month I used :
12 kg x @IDR 8,000 = IDR 96,000
36 eggs X @IDR 1,125 = IDR 40,00
8 kg seaweed X @IDR 13,000 = IDR 104,000
3 kg sugar x @IDR 9,500 = IDR 27,500
3 kg cooking oil X @IDR12,500 = IDR 37,500
3 kg gas X @IDR 17,000 = IDR 41,000
Delivery/Transportation/Miscellaneous Cost = IDR 240,000
So the total of cost is IDR 586,500
Total income IDR 1,200,000 – IDR 586,00 = IDR 613,500 / month

If Zidisha can assist to give loan for business capital, therefore I can improve this seaweed chips production. I can also seek for employer if my business has been running well.

My Business

I need loan in the amount of IDR 5,000,000 for the purchasing of hand sealer machine, chips packing machine therefore the seaweed chips pack will be more attractive with own brand, I also want to use the loan for buying flour, eggs, sugar, cooking oil, and motor rim.

I can pay in 12 moths for IDR 5,000,000 loan with 10% interest per annum.
I can pay monthly installment in the amount of IDR 415,000/month.

I hope to get a renewable loan in the future therefore Zidisha can see trust from micro business owner in returning loan without guarantee from online services.

With the loan, it will help my chips business grows therefore I can finance education of my grandchildren.
I also hope to use more advance technology in producing the chips therefore can compete with other business.
I also really wants to buy vacuum frying machine, chopping machine, mixer as those machines can expedite the production process and enhance the production result therefore can take oder faster. With those machine it also can be used to produce fruits and vegetables chips and vegetable has economic value that can result in higher return.

Hope Zidisha can help to give loan therefore in the future this business can grow and continuously grow with Zidisha.

Loan Proposal

This second loan I would use to buy stock of chips such as flour, sugar and seaweed main ingredient, cooking oil, eggs, and plans to make the mold for the brand and packaging design attractive so that it can attract buyers as well. Hopefully this second loan can be increased again and continue to motivate me to work. Hopefully the donors who have helped me also got success and continue along - zidisha together in community, with hard work I am sure I can achieve success

Show original Bahasa Indonesia  

About Me

Nama saya ST. Maryam seorang janda dengan 2 orang anak, tapi kedua anak saya sudah berkeluarga dan tinggal dirumahnya sendiri, karena saya hanya sendiri dirumah maka saya minta cucuku 3 orang untuk tinggal dirumah dan semua keperluannya termasuk biaya pendidikannya saya semua yang tanggung. Selama ini usaha yang saya kerjakan yaitu membuat Keripik Rumput Laut, dimana pemasarannya dilukakan oleh anak saya yang tinggal dikota, keripik rumput laut ini sangat diminati oleh semua kalangan karena gurih, renyah dan bergizi, selain dipasarkan di kota didaerah tempat saya juga terutama toko - toko sebagai tempat penitipan, sebenarnya banyak orderan yang tidak bisa saya penuhi karena saya memproduksi sendiri dan belum ada tenaga kerja, disamping bahan untuk keripiknya itu belum bisa saya sediakan stoknya karena modal masih kurang, Saya hanya produksi 2 kali per minggu sekitar 500 bungkus dan dalam satu bulan bisa mencapai 2000 bungkus. Harga jual eceran IDR 1000/ bungkus, harga ke toko IDR 600. Penjualan keripik dalam 1 bulan IDR 600X 2000 = IDR 1.200.000 / bulan pendapatan kotor. Biaya biaya produksi : Dalam 1 kg terigu menghasilkan lebih 40 bungkus keripik Terigu 12Kg @ 8000 =IDR 96.000 /bulan Telur ayam 36 [email protected] =IDR 40.500/bulan Rumput Laut 8kg @13.000 = IDR 104.000/bulan Gula pasir 3Kg @ 9.500 = IDR 27.500 Minyak goreng 3kg @12.500 = IDR 37.500/bulan Tabung gas 3 kg 3buah @ 17.000 = IDR 41.000 Transport/biaya pengiriman/biaya lain - lain IDR 240.000 Total biaya IDR 586.500, Total pendapatan IDR 1.200.000 - IDR 586.500 = IDR 613.500/bulan. Jika Zidisha bisa membantu memberikan pinjaman untuk modal usaha, maka saya bisa meningkatkan produksi keripik rumput laut ini. Saya bisa mencari tenaga kerja untuk kampas motor dan bagian produksi apabila modal usaha sudah memadai.

My Business

Saya membutuhkan pinjaman sebesar IDR 5.000.000, untuk pembelian mesin hand sealer, cetak kemasan keripik agar lebih menarik dan punya merk sendiri, pembelian terigu, telur, gula pasir, minyak goreng, serta tas motor ( Kampas ), saya bisa membayar pinjaman jangka waktu 12 bulan jika dilayani sebesar IDR 5.000.000 dan bunga 10% / tahun. Saya bisa bayar angsuran perbulan sebesar IDR 415.000/bulan, tapi kalau pinjaman diberikan secara bertahap itu lebih baik lagi agar Zidisha bisa melihat bagaimana tingkat kepercayaan pelaku usaha kecil dalam mengembalikan pinjaman tanpa jaminan dari pelayanan secara online. Saya sendiri dengan pinjaman seperti ini, bisa membantu usaha saya lebih maju lagi dan bisa berkembang terus modal usaha keripik ini sehingga saya bisa membiayai pendidikan cucu saya dengan harapan dapat melanjutkan usaha keripik ini dengan menggunakan teknologi yang lebih modern lagi dan bisa bersaing. Saya juga ingin sekali membeli mesin vacuum frying, mesin peniris, mesin pengaduk adonan karena mesin ini bisa mempercepat proses produksi dan meningkatkan hasil produksi sehingga bisa melayani orderan lebih cepat lagi. Dengan mesin ini pula bisa dimanfaatkan untuk membuat keripik buah dan sayur sehingga buah dan sayur memiliki nilai ekonomis yang bisa mendatangkan keuntungan lebih tinggi. Semoga Pendana melalui Zidisha ini dapat membantu memberikan pinjaman modal agar kedepannya bisa berkembang dan tetus berkembang bersama Zidisha.

Loan Proposal

Pinjaman kedua ini saya akan pakai untuk membeli stok bahan keripik seperti terigu, gula pasir dan bahan utama rumput laut, minyak goreng, telur ayam serta rencana membuat cetakan kemasan merk dan desain yang menarik sehinga bisa menarik juga minat pembeli. Semoga pinjaman kedua ini bisa lebih meningkat lagi dan terus memotivasi saya dalam bekerja. Semoga para pendana yang telah membantu saya juga mendapat kesuksesan dan terus bersama - sama dalam komunitas zidisha, dengan kerja keras saya yakin bisa meraih keberhasilan

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Loan Info

Project Type

Classic Loan

Disbursed amount

$474.00

Date disbursed

May 30, 2014

Repayment status

Late

Projected term

9 months

Cost to entrepreneur

Lender interest: $474.00 at 2.76% annual rate over 9 months = $10.06

Service fee: $13.80

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