My name is Soni Ahmad Baidowi, 26 years old. My family is moslem. I live in a village where moslem and non moslem live harmoniously, called Ranggeh village, regency Gondangwetan, sub-district Pasuruan. I spend my life to teach, building schools for elementary students, junior high scool, high school and expanding my printing business since i was 17 years old until now 26 years old.

I am very happy to see my students succeeding in the future with various knowledge for their advantage when they are looking for jobs. I wish i can create jobs for people around my house so my life can benefit others and so i can be known as a good people until i die.

I wish Allah blesses you. I am Soni Ahmad Baidowi, 26 tahun years old, Moslem. Now i have 3 kinds of monthly income:

1. I have established a Tutoring Institution “DEC” in 2009 to provide english teaching, arab, and math to all elementary, junior high, and high shcool students in the afternoon. DEC is a tutoring institution that runs every afternoon, the place that we use is a building owned by Iwan Hamidi (my brother) by paying Rp 150.000 every month. So DEC is still not yet own its building until now. As the owner and the director of “DEC” i really wish a help either in the form of loan or grant from kind lenders to build a decent place for DEC. Hope Allah blesses and return your kindness. The facilities on DEC that we own are: 25 small tables, 10 long tables. Our activities are done in 2 different rooms: living room and an empty warehouse. Tutoring for elementary, junior high, and high schools are done alternately every afternoon. Every year, the amount of DEC students are increasing. In 2009 we had 45 students, 2011 we had 91 students, 115 students in 2012. This year, "DEC" students totaled 135, and "DEC" has 7 teachers. Very student that studies at “DEC” pays monthly tuition as much as Rp 100.000 (10 dolar more or less). The detailed monthly budget that “DEC” has: a. Income Rp 100.000 x 135 students = Rp 13,500.000 ($1.350), b. Expenditure Rp 3,500,000 ($3,500 for 7 teachers' salaryg) + Rp 500.000 (monthly operating cost, and rent ) + = Rp 4,000,000.

So my Net income is Rp 13,500,000 – Rp 4,000,000 = Rp 9,500,000 ($950).

2. I own a simple business in my house called Printing Business “L-F@zz” that i established in 2010. My “L-F@zz” Pineint Business provided photos printing, banner, printing, bindery, foto scan, sticked, ID Card and Wedding Invitation Printing. With its modest room size, L-F@zz owns 1 computer, 1 display window, 1 work desk.The detailed monthly budget of L-F@zz a. normal monthly income is Rp 5,000,000 ($500), b. Monthly expenditure is Rp 3,500,000 ($350 for 1 employee salary and cost of goods sold).

My Net income from this business is Rp 5,000,000 - Rp 3,500,000 = Rp 1,500,000 ($150).

3. in the morning, i teach Pasuruan Junior High School for 3 days with monthly salary of Rp 850,000 ($85)

In conclusion, my monthly finance report is:

1. Monthly income Rp 9,500,000 (DEC) + Rp 1,500,000 (L-F@zz) + Rp 850,000 (SMP Pasuruan swasta) = Rp 11,850,000 ($1,185).

2. Monthly expenditure of my family is Rp 250,000 (electricity expense= 1300v) + Rp 500,000 (for my wife and kids) + Rp 600,000(family's groceries for 1 wife, 1 kid, 1 brother, 1 mother and 1 grandma) = Rp 1,350,000 ($135).

So, the excess that i have to pay my monthly installment is Rp 11,850,000 - Rp 1,350,000 = Rp 10,500,000 ($1,050).

I hope that there will be kind lenders that are willing to give me help in a form of loans or grants that i will use to build DEC new decent classroom and to complete DEC facilities, and extend “L-F@zz” printing business by completing better printing tools. I hope Allah blesses everyone who help me. Thank You.

I will use this loan to add facilities in my education institution DEC, eventhough it's little, i will use it to buy some facilities that is lacking, such as long table and other teaching instruments. One day, i have a dream to establish a huge education institution for the society and i want to expand and to grow my printing business L-F@zz. I wish there will be kind lenders who are ready to loan my institution and my printing business. I hope with Zidisha, i can meet kind lenders and can help me realize my dream. For anyone who is willing to help me, i pray Allah can help them with their job and smooth their fortune and also to be given the best way of guidance. For all lenders, i would like to say thank you and may Allah blesses you.