Name
Jumiatin
Member since
May 2015
On-time repayments
213 installments • 34%
I am a housewife with two children, my husband work in a smal firm. But sometimes, it is not enough, so i start to open small cafe, it is located in the Cafetaria of Dr Soetomo University, this location is served by city goverment of Surabaya.
I am a simple person, originally from village in Tuban Regency. I got married after graduating from high school. Even so, I dont want my children becoming like me. I really want to send my children to the university.
My hobby is travelling, but now i could not to do my hobby a lot becsuae of limited time and income. I do my hobby only once a year, in the time Idul Fitri Holiday.
I am a soft person but i never give up something even sometimes i cry and feel sad, but i never show about this to my husband and my children.
my business is small cafe in the canteen of Dr Soetomo university. My funds at the first time was only about $300, i opened the cafe in the edge of street for 2 years. But city goverment relocated me to the better place, it is in that canteen. I feel so lucky, cause my business run well in this place.
The first funding i have ever had was from my husband, he gave me about $300, i bought ingredients of cafe, such as sugar, instant coffee, tea and more. I open the cafe from 12 pm till 9 pm, 6 days a week: monday to saturday. The income i had is $15 /day in average. The profit is 50%. The nett profit during 6 days : $7.5 X 6 = $45. The netto profit per mont is: $45x 4= $180/month. It is enough to help my husband's living cost.
I will use this loan to support the needs of the coffee shop I began to make good progress during the last 4 years. Hopefully I can open another one. ____Dalam A day, on average, can I get grossed over 250rb, with a net gain to 100K. So in one month I can generate 3jt rupiah. For my financial turnaround, at least requires only 75rb up 150rb .____ Hopefully next day is better. Amen.
Show original Bahasa Indonesia
Saya adalah ibu rumah tangga dengan 2 anak, suami bekerja sebagai karyawan di perusahaan swasta. Untuk mencukupi kebutuhan hidup saya juga bekerja. Membuka warung kopi di kantin Universitas Dr Soetomo Surabaya yang difasilitasi Pemkot Surabaya. Saya orangnya sederhana, berasal dari kampung di Tuban Jawa Timur, lulusan SMA lalu menikah, walau begitu, saya tidak mau anak-anak saya hanya lulus SMA, saya ingin nanti mereka bisa sampai di Perguruan Tinggi. Hobi saya sebenarnya jalan-jalan, tapi disaat sudah mempunya dua anak dan mengurus suami, tentunya hobi saya tidak tersalurkan setiap saat, hanya sesekali jalan-jalan keluar kota dengan mengajak anak-anak dengan naik kereta api. Sedikitnya sekali dalam setahun, disaat Hari Raya Idul Fitri saja. Saya orangnya lemah lembut, tetapi saya tidak mudah menyerah walau memang sering menangis sendirian tanpa diketahui suami dan anak-anak disaat ada masalah.
Usaha saya adalah membuka warung kopi di kantin universitas Dr Soetomo Surabaya yang familiar di sebut UNITOMO. Dengan modal sekitar Rp 3 juta, saya membuka usaha dipinggir jalan selama 2 tahun, namun Pemerintah Kota Surabaya memandang hal ini bisa merusak pemandangan kota dan membuat kondisi jalan raya semrawut, akhirnya usaha saya digusur. Tapi alhamdulillah, tidak berselang lama, saya mendapat tempat baru lagi, karena Pemkot memberi solusi dengan merekolasi tempat usaha saya, yaitu di area kantin universitas Dr Soetomo Surabaya, tempatnya sangat strategis, karena kantin ini diapit 2 universitas besar yaitu universitas Dr Soetomo Surabaya (Unitomo) dan Universitas 17 Agustus (Untag) .
Modal 3 juta diawal tadi saya peroleh dari suami, dibelikan kebutuhan warung kopi seperti gula, kopi instant, mie instatant, teh celup dan lain-lain, saya buka mulai jam 12 siang hingga jam 9 malam, rata-rata mendapatkan uang 150ribu sehari, profit nya adalah 50 persen dari pendapatan itu. Sehingga laba bersih adalah Rp.75ribu/hari selama 6 hari kerja, jadi selama seminggu saya mendapatkan sedikitnya 450ribu atau 1,8juta per bulan. Sedangkat sewa tempat hanya Rp.200ribu per bulan. Pendapatan ini lumayan buat saya, mengingat hal ini bisa membantu kebutuhan suami dan anak-anak. Kedepan saya ingin membuka usaha seperti ini lagi ditempat yang lain dengan menyewa karyawan. Selain membuka warung kopi, saya juga berjualan online dengan berjualan sepatu kets,
Saya akan gunakan pinjaman ini untuk menyokong kebutuhan warung kopi saya yang mulai berkembang baik selama 4 tahun terakhir. Semoga saya bisa buka lagi yang baru.
Dalam sehari, rata-rata saya bisa dapat pendapatan kotor sebesar 250rb, dgn keuntungan bersih 100rb. Jadi dalam satu bulan saya bisa menghasilkan 3jt rupiah. Untuk perputaran keuangan saya, sedikitnya membutuhkan hanya 75rb hingga 150rb perhari.
Semoga kedepan lebih baik. Amin.
Positive
None
Neutral
None
Negative
None
Project Type
Classic Loan
Disbursed amount
$243.00
Date disbursed
Sep 8, 2016
Repayment status
Late
Projected term
61 months
Other loans
Amount repaid
$33.62
Amount remaining
$209.38
Expected completion
Jul 12, 2019
Status
Repaying late
Installment amount
$0.78
Expected Payments | Actual Payments | ||
---|---|---|---|
Sep 16, 2016 | $3.91 | Sep 20, 2016 | $3.91 |
Sep 23, 2016 | $3.91 | Oct 1, 2016 | $3.91 |
Sep 30, 2016 | $3.91 | Oct 1, 2016 | $3.91 |
Oct 7, 2016 | $0.78 | Oct 10, 2016 | $0.78 |
Oct 14, 2016 | $0.78 | Oct 21, 2016 | $0.78 |
Oct 21, 2016 | $0.78 | Oct 28, 2016 | $0.78 |
Oct 28, 2016 | $0.78 | Nov 5, 2016 | $0.78 |
Nov 4, 2016 | $0.78 | Nov 18, 2016 | $0.78 |
Nov 11, 2016 | $0.78 | Nov 18, 2016 | $0.78 |
Nov 18, 2016 | $0.78 | Dec 3, 2016 | $0.78 |
Nov 25, 2016 | $0.78 | Dec 3, 2016 | $0.78 |
Dec 2, 2016 | $0.78 | Dec 3, 2016 | $0.78 |
Dec 9, 2016 | $0.78 | Dec 9, 2016 | $0.78 |
Dec 16, 2016 | $0.78 | Dec 17, 2016 | $0.78 |
Dec 23, 2016 | $0.78 | Jan 7, 2017 | $0.78 |
Dec 30, 2016 | $0.78 | Jan 11, 2017 | $0.78 |
Jan 6, 2017 | $0.78 | Jan 20, 2017 | $0.78 |
Jan 13, 2017 | $0.78 | Jan 27, 2017 | $0.78 |
Jan 20, 2017 | $0.78 | Feb 9, 2017 | $0.78 |
Jan 27, 2017 | $0.78 | Apr 4, 2017 | $0.78 |
Feb 3, 2017 | $0.78 | May 15, 2017 | $0.78 |
Feb 10, 2017 | $0.78 | May 15, 2017 | $0.78 |
Feb 17, 2017 | $0.78 | Jan 3, 2019 | $0.78 |
Feb 24, 2017 | $0.78 | Jan 3, 2019 | $0.78 |
Mar 3, 2017 | $0.78 | Jan 3, 2019 | $0.78 |
Mar 10, 2017 | $0.78 | Jan 3, 2019 | $0.78 |
Mar 17, 2017 | $0.78 | Jun 12, 2019 | $0.78 |
Mar 24, 2017 | $0.78 | Jun 12, 2019 | $0.78 |
Mar 31, 2017 | $0.78 | Jun 12, 2019 | $0.78 |
Apr 7, 2017 | $0.78 | Jun 12, 2019 | $0.78 |
Apr 14, 2017 | $0.78 | Jun 12, 2019 | $0.78 |
Apr 21, 2017 | $0.78 | ||
Apr 28, 2017 | $0.78 | ||
May 5, 2017 | $0.78 | ||
May 12, 2017 | $0.78 | ||
May 19, 2017 | $0.78 | ||
May 26, 2017 | $0.78 | ||
Jun 2, 2017 | $0.78 | ||
Jun 9, 2017 | $0.78 | ||
Jun 16, 2017 | $0.78 | ||
Jun 23, 2017 | $0.78 | ||
Jun 30, 2017 | $0.78 | ||
Jul 7, 2017 | $0.78 | ||
Jul 14, 2017 | $0.78 | ||
Jul 21, 2017 | $0.78 | ||
Jul 28, 2017 | $0.78 | ||
Aug 4, 2017 | $0.78 | ||
Aug 11, 2017 | $0.78 | ||
Aug 18, 2017 | $0.78 | ||
Aug 25, 2017 | $0.78 | ||
Sep 1, 2017 | $0.78 | ||
Sep 8, 2017 | $0.78 | ||
Sep 15, 2017 | $0.78 | ||
Sep 22, 2017 | $0.78 | ||
Sep 29, 2017 | $0.78 | ||
Oct 6, 2017 | $0.78 | ||
Oct 13, 2017 | $0.78 | ||
Oct 20, 2017 | $0.78 | ||
Oct 27, 2017 | $0.78 | ||
Nov 3, 2017 | $0.78 | ||
Nov 10, 2017 | $0.78 | ||
Nov 17, 2017 | $0.78 | ||
Nov 24, 2017 | $0.78 | ||
Dec 1, 2017 | $0.78 | ||
Dec 8, 2017 | $0.78 | ||
Dec 15, 2017 | $0.78 | ||
Dec 22, 2017 | $0.78 | ||
Dec 29, 2017 | $0.78 | ||
Jan 5, 2018 | $0.78 | ||
Jan 12, 2018 | $0.78 | ||
Jan 19, 2018 | $0.78 | ||
Jan 26, 2018 | $0.78 | ||
Feb 2, 2018 | $0.78 | ||
Feb 9, 2018 | $0.78 | ||
Feb 16, 2018 | $0.78 | ||
Feb 23, 2018 | $0.78 | ||
Mar 2, 2018 | $0.78 | ||
Mar 9, 2018 | $0.78 | ||
Mar 16, 2018 | $0.78 | ||
Mar 23, 2018 | $0.78 | ||
Mar 30, 2018 | $0.78 | ||
Apr 6, 2018 | $0.78 | ||
Apr 13, 2018 | $0.78 | ||
Apr 20, 2018 | $0.78 | ||
Apr 27, 2018 | $0.78 | ||
May 4, 2018 | $0.78 | ||
May 11, 2018 | $0.78 | ||
May 18, 2018 | $0.78 | ||
May 25, 2018 | $0.78 | ||
Jun 1, 2018 | $0.78 | ||
Jun 8, 2018 | $0.78 | ||
Jun 15, 2018 | $0.78 | ||
Jun 22, 2018 | $0.78 | ||
Jun 29, 2018 | $0.78 | ||
Jul 6, 2018 | $0.78 | ||
Jul 13, 2018 | $0.78 | ||
Jul 20, 2018 | $0.78 | ||
Jul 27, 2018 | $0.78 | ||
Aug 3, 2018 | $0.78 | ||
Aug 10, 2018 | $0.78 | ||
Aug 17, 2018 | $0.78 | ||
Aug 24, 2018 | $0.78 | ||
Aug 31, 2018 | $0.78 | ||
Sep 7, 2018 | $0.78 | ||
Sep 14, 2018 | $0.78 | ||
Sep 21, 2018 | $0.78 | ||
Sep 28, 2018 | $0.78 | ||
Oct 5, 2018 | $0.78 | ||
Oct 12, 2018 | $0.78 | ||
Oct 19, 2018 | $0.78 | ||
Oct 26, 2018 | $0.78 | ||
Nov 2, 2018 | $0.78 | ||
Nov 9, 2018 | $0.78 | ||
Nov 16, 2018 | $0.78 | ||
Nov 23, 2018 | $0.78 | ||
Nov 30, 2018 | $0.78 | ||
Dec 7, 2018 | $0.78 | ||
Dec 14, 2018 | $0.78 | ||
Dec 21, 2018 | $0.78 | ||
Dec 28, 2018 | $0.78 | ||
Jan 4, 2019 | $0.78 | ||
Jan 11, 2019 | $0.78 | ||
Jan 18, 2019 | $0.78 | ||
Jan 25, 2019 | $0.78 | ||
Feb 1, 2019 | $0.78 | ||
Feb 8, 2019 | $0.78 | ||
Feb 15, 2019 | $0.78 | ||
Feb 22, 2019 | $0.78 | ||
Mar 1, 2019 | $0.78 | ||
Mar 8, 2019 | $0.78 | ||
Mar 15, 2019 | $0.78 | ||
Mar 22, 2019 | $0.78 | ||
Mar 29, 2019 | $0.78 | ||
Apr 5, 2019 | $0.78 | ||
Apr 12, 2019 | $0.78 | ||
Apr 19, 2019 | $0.78 | ||
Apr 26, 2019 | $0.78 | ||
May 3, 2019 | $0.78 | ||
May 10, 2019 | $0.78 | ||
May 17, 2019 | $0.78 | ||
May 24, 2019 | $0.78 | ||
May 31, 2019 | $0.78 | ||
Jun 7, 2019 | $0.78 | ||
Jun 14, 2019 | $27.00 | ||
Jun 21, 2019 | $27.00 | ||
Jun 28, 2019 | $27.00 | ||
Jul 5, 2019 | $27.00 | ||
Jul 12, 2019 | $13.80 |
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