Hi Zidisha,

My name is Harianti a housewife living in border areas Kabuputen Jeneponto Bantaen. My husband works as a driver of urban transportation. I have a shop that sells a wide variety of grocery store I was in front of the village highway Tino District of Tarowang Jeneponto.

Three years ago I built my house and used the front of my house as a shop. I set up the initial capital for the shop by making cakes to sell from my own home. I then saved the profit from that as capital to purchase retail goods. Little by little I bought stocks to complete the store and now I have a lot of inventor. My retail store now is bustling with buyers since my shopis adjacent to schools, health centers and village offices.

Everyday school children come to my store. In addition to retails goods, I also sell office and school supplies such as pens, notebook, pencils, paper etc. I bought this mixture of wholesale goods from supplier cars passing my shop on the highway.

I was also given a refrigerator by the company that produces softdrinks. I have three units of refrigerators from different companies. My revenue in one day is around $50 with a net profit of between $ 5 to $ 8 / day or about $ 60 / week.

Since there is increase in the price of fuel oil in Indonesia all kinds of goods prices rose about 30% so that the procurement of goods in stores becomes limited. The initial plan would try to borrow capital from the local Co-op but my husband forbids because the interest is 20% for a period of only 2 months or 8-week. We can only pay the interest from our profit.

Finally I got the info about Zidhisa and receive an email invitation from Guntur Ade Putra to become members Zidhisa in obtaining venture capital loans online that provide loans to the rest of the world, including Indonesia with very easy and has a lot to enjoy this loan to increase its business. I also have a hope of getting a loan like this. Loan I need is not too much for fear of not being able to pay it. So now I only need $ 150 just fit my ability to pay back to Zidhisa. Request for a loan like that I will be able to pay with 15% interest per year.

I have paid up my second loan without any hurdle. My second loan payment was ahead of the payment schedule. I had deliberately asked for loan with small payment amount with longer time frame just in case something happened (ed. she had wanted to pay up earlier than the schedule anyway).

If my revenue increase, I can then afford more loan repayment amount. After my second loan, my revenue experienced day-to-day increase. I hope my revenue will keep going up.

For this third loan, I want to focus on packaged drinking water. The demand for this will increase due to prolonged draught. The profit margin for selling packaged drinking water is around 25% or 3 times more than that if the cashflow that will be generated from my loan can flow through 3-5 times throughout the loan repayment period (ed. she's making a prediction that from this third loan she is very certain that she can manage her cashflow very well as if she is borrowing 3 or 5 times more money for her business).

I hope that this third loan can be funded quick, and I also hope that I can repay all the loan easily like before. I am committed to keep being a good member of Zidisha and become an example for other borrowers.

On this third loan, I focus on the procurement of Bottled Drinking Water as 1000 boxes for a price of IDR10.267.000. Bottled water demand is very high because in Indonesia, especially the area where I live has a wave of prolonged drought, so that people had trouble getting clean water for consumption. The dry season is called El Nino and it has been anticipated that rain will begin to fall in November. Hopefully my third loan will be still given the opportunity and the confidence from the lenders.