Entrepreneur
Name
Endang
Member since
August 2015
On-time repayments
271 installments • 93%
About Me
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.
My Business
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.
Loan Proposal
I am selling various household needs, such as clothing, kitchen tools. Clothes that I sell is clothing for children and women, while the kitchen appliance such as a food containers, water bottles, flasks, and others. For this time I apply for a loan fund to increase the stock of goods that have been depleted and also to purchase a new product.
Show original Bahasa Indonesia
About Me
Saya adalah seorang single parent dengan seorang putri cantik berusia 10 tahun yang bersekolah di kelas 4 Sekolah Dasar.
Saya membuka toko online yang merupakan pemasukan satu-satunya untuk membiayai kehidupan sehari-hari putri saya.
Uang laba penjualan saya gunakan untuk keperluan biaya harian dan bulanan seperti membeli makanan, pakaian dan biaya uang sekolah untuk putri saya, serta dipergunakan juga untuk membayar listrik, air, pajak.
My Business
Sudah 5 tahun saya membuka toko online di beberapa marketplace di Indonesia. Barang yang saya jual merupakan barang yang dipergunakan wanita dan anak-anak Indonesia sehari-hari yaitu daster (baju dipakai didalam rumah).
Saya memilih jualan melalui marketplace karena menurut saya pembeli lebih nyaman dengan adanya pihak ketiga tempat mereka membayar barang pesanan terlebih dahulu, sehingga pembeli tidak takut tertipu dengan barang yang dipesan. Sebab terkadang ada juga penjual yang nakal dengan tidak mengirim barang pesanan setelah pembeli transfer uang pembayaran langsung ke rekening penjual.
Kelemahan jualan melalui marketplace adalah uang pembayaran pesanan pembeli tidak langsung saya terima melainkan ditahan lebih dahulu oleh marketplace, dan uang pembayaran pesanan pembeli baru akan dicairkan apabila pembeli sudah menerima barang pesanan mereka.
Karena barang yang saya jual merupakan pakaian yang sehari-hari dipakai kebanyakan wanita Indonesia, maka sering terjadi order ulang yang sangat tinggi dari pembeli. Sehingga saya sering kehabisan modal untuk membeli stok barang ke supplier karena uang penjualan masih tertahan di marketplace.
Dan ada beberapa tetangga yang sering ambil barang jualan saya untuk mereka jual kembali, sehingga sedikit banyaknya saya bisa membantu perekonomian mereka juga.
Selama ini, setiap harinya pembelian dari toko online saya rata-rata sehari 5 - 10 konsumen, dengan mendapatkan uang penjualan sebesar USD 46 - USD 91. Per satu barang saya mengambil keuntungan 10% – 20%, yang bisa mendapatkan USD 15 - USD 25 setiap hari. Sehingga dalam waktu 1 bulan, keuntungan yang di dapat kurang lebih sebesar USD 450 - USD 750.
Dari keuntungan ini saya pergunakan untuk angsuran pinjaman kepada lenders Zidisha dan juga untuk membayar pendidikan dan memberikan kehidupan yang layak untuk putri saya dan juga saya simpan sebagai tabungan untuk dana cadangan apabila terjadi musibah.
Impian besar saya adalah memiliki toko offline, sehingga saya mendapat 2 sumber pemasukan yaitu dari toko online dan toko offline.
Loan Proposal
Saya berjualan aneka kebutuhan rumah tangga, seperti pakaian, alat dapur. Pakaian yang saya jual adalah pakaian untuk anak-anak dan wanita dewasa, sedangkan alat dapur seperti wadah tempat makanan, botol minum, termos, dan lain lain. Untuk kali ini saya mengajukan permohonan pinjaman dana untuk menambah stok barang yang sudah habis dan juga untuk membeli produk baru.
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Loan Info
Project Type
Classic Loan
Disbursed amount
$469.00
Date disbursed
Oct 27, 2016
Repayment status
On Time
Projected term
3 months
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J Sep 1, 2018
Endang Sep 1, 2018
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