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.
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.
Thank you Zidisha and the lenders, I was still given the opportunity to submit a proposal again.
This time I will use the loan to buy a laptop because the laptop that I now use to sell online has started a lot of damage that is often blank and hot fast battery. In addition, I will also use loan money to buy printer ink and stock items (dress dresses & child leggings).
As for the details of the use of loan money more or less as follows:
1. Asus laptop amounting to USD 330
2. Printer ink for USD 25
3. Addition of stock items in the form of home clothes for women (negligee) and children with details:
- 10 clothes models women @ USD 60-90 = USD 600-900
- 5 dozen children"s legging pants @ USD 20-30 = USD 100-150
4. The rest I will use for additional capital reserves so that if there is a demand for goods from the buyer very much while the variant the items ordered are empty, then I will be able to fulfill them immediately.
The profit from the sale, in addition to fulfilling daily life, I will use to pay loan installments. And also I will save a little money as a savings to prepare my daughter for junior high school.
It is my hope that lenders can help me provide capital loans, because I believe I can repay loan money on time like my previous loans. Thank you very much. Have a great day lenders.