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Amy

Place: Olongapo, Philippines   Age: 50   Business: Sari-Sari Store   Loan: 50 €   As eldest sister and mother, Amy takes care of her youngest sister and her youngest brother, as well as her two sons, her daughter (29) and her granddaughter. This mix of generations is typical for a Filipino family from the […]

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Loren

Place: Subic, Philippines   Age: 37   Business: Grocery Store   Loan: 90 €   After the separation from her husband, the 37-year-old Loren now lives together with her four children in Subic, a Philippine municipality in the province of Zambales. There, they inhabit a house with a small sales room, in which Loren sells […]

Earthquake in Lombok

A 6.4 earthquake shook the island of Lombok on Sunday morning just before 07:00 am local time. Even in the 1 to 2 hours drive from the epicenter the villages of Pringgasela and Suela, in which we support village communities with microcredits, the heavy tremors were felt. “People panicked and ran away from buildings,” says […]

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New Job Trainees in the Philippines

Our training participants could not be more different, yet they all have the same goal: they want to find a job after the apprenticeship to the industrial sewer with their acquired knowledge. Jervie Gadin is 21 years old and lives in the Philippine municipality of Subic in the province of Zambales. The young man not […]

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Nursiyah

Place: Denpasar, Indonesia   Age: 51   Business: Warung   Loan: 71 €   Nursiyah and her husband Samsudin live together with their six children on the popular Indonesian island of Bali. Four of their children are already married and don’t live with the couple anymore. The two youngest children are still going to school. The […]

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More Than Credit – how we Empower People Through Consulting

Before being able to receive a micro credit from us, the potential entrepreneurs receive comprehensive training to ensure the success of their future business. We give the majority of micro credits, however, to already existing micro enterprises rather than start-ups. Micro loans allow our participants with pre-existing businesses to grow their business with more capital […]

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Reniati

Place: Denpasar, Indonesia   Age: 25   Business: Banten   Loan: 71 €   Reniati (25) comes from the north-eastern part of the tropical island Bali. At the age of 21 she met her husband Bagus, whom she married in Denpasar. Together with the two kids, the couple now lives in a small house in Bali’s […]

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Interview with Leslie

Since 2007, Leslie Nabong has been leading Project Life Subic. While he was in the Philippines, director Tobias Schüßler conducted an interview with her based on questions that donors and members sent him. So you have been living in the Philippines for quite some time. Can you explain some of the challenges of living in […]

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Aryati

Place: Denpasar, Indonesia   Age: 45   Business: Offerings   Loan: 3 x 71 €   Update July 2018 It is always difficult for us to determine the income changes of our participants. On the one hand, they usually do not account for profit and losses as it would be common in Germany, on the other […]

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Nong

Place: Pattya, Thailand   Age: 39   Costs: 490 €   Nong is originally from the small province Korat in northeastern Thailand. As her family is very poor, she decided to move to Pattaya to earn more money. Nong’s 13-year old son stayed with the family, which now takes care of him. Every month, the […]

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Update from Lombok

The strenghening of women’s rights and the economic development of village communities – those are the goals of the non-profit organisation Gema Alam on the Indonesian island Lombok, with which we’ve been working together for nearly a year now. In Suela, a village close to a much used road by Indonesian tourists to a popular […]

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Lodiwika

Place: Denpasar, Indonesia   Age: 43   Business: Tailor shop   Loan: 71 €; 71 €   Update May 2018 A bulk order of 50 school uniforms helped Lodiwika, to repay her loan much sooner than expected. In order to buy the materials at the wholesale store, she used her first loan. With a second microcredit […]

Starter Kits

Help us to pave victims of human trafficking the way to a new life. Already with 50€, you are funding a starter kit! Since last year, we have been working together with the Thai foundation Tamar Center.  Starter Sets Steffi Vaupel, program manager at Tamar, explains more about the starter kits: “The women have to overcome […]

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Sutarmi

Place: Denpasar, Indonesia   Age: 52   Business: Restaurant   Loan: 35€; 52€; 71€; 71€    Update April 2018 After four years, Sutarmi has decided to close her curb-side stall on Bali, as the competition was getting too strong over the past six months. Even with a subsidiary, she barely made any money. Instead, she opened a […]

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Irene, Grace & April

Four more students have completed their course in the Philippines. Here you can find out who they are.     Irene, 52, has four childen. Even though the family is already quite large from a European perspective, they share their two rooms with other relatives in order to save money. After the training she will try […]

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Rati

Place: Denpasar, Indonesia   Age: 63   Business: Warung   Loan: 71 €; 71 €   Update May 2018 Rati repaid her loan in time. Even though the initial investment was quite high, she now has 5% more income every day. The advice from WKP’s employees definitely helped in that. From them she learned that customers […]

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Visiting a textile Company

Chairman Tobias Schüßler about his visit in two textile manufacturing plants:  One of my highlights of this years stay on the Philippines were the unannounced inspections of two textile manufacturing plants, which have employed some of our participants after their apprenticeship. We are often asked what kind of firms there are, as the textile industry […]

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Jenifer

Place: Baretto, Philippines   Age: 25   Business: Tailorshop   Loan: 100€; 166€   Update June 2018 Jenifer cancelled a third loan application. She had saved enough money to buy the machine without debt. For us, this is a great development! Update March 2018 Last year, Jenifer made her dream of her own fashion enterprise come true […]

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Audit in the Philippines

Chairman Tobias Schüßler was able to travel to the Philippines on short notice. There, he visited our partner organization project life Subic, our our first partner organization since 2014 to give out micro loans for people in slums. „The most important part of my visits is doing an audit.“, explains Schüßler. „We can therefore ensure […]

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Four Years Later

During his stay in the Philippines, Director Tobias Schüßler was able to visit Catherine as well. „In 2014, she was the first to receive a GMI micro loan,“ he explains. „Over the years, she improved her skills a lot. Today she is really confident and without outside help, finds new ways to sell her products.“ […]

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Supriyadi

Place: Denpasar, Indonesia   Age: 55   Business: Tailor Shop   Loan: 3 x 71 €   Update July 2018 First the orders increased and now also the profits rose by approximately ten percent. Supriyadi wants to increase her business further and therefore got another loan. Update May 2018 After the loan was fully repaid, the […]

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Herman

Place: Denpasar, Indonesia   Age: 41   Business: Lieferant   Loan: 71 €   Like so many others, Herman and his wife Fitriana left their home in an economically disadvantaged region of Java and moved to Bali. However, they had to leave their older children at Herman’s mother’s house, so they could continue their education. Living […]

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What happens afterwards?

We introduce you regularly to the stories of the people who have received micro loans from us for their small enterprises. But what happens when the loan is paid back, maybe even a second or a third one? How do our participants go on with their lives? I would like to show you with an […]

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Nur Walidaiyah

Place: Denpasar, Indonesia   Age: 31   Business: Bakery   Loan: 71 €   For the first time, we are helping a baker, Nur Walidaiyah. Contrary to western bakeries, her products are based on rice instead of wheat. And as it is normal in Indonesian family businesses, her store, in this case her bakery, is […]

Sky

Place: Pattya, Thailand   Age: 25   Costs: 480 €   Sky is from Kon Ken in the North of Thailand. Her village is very small and isolated and therefore does not offer many opportunities to work. This is why her family sent her to Pettaya to earn money. She took her two children (8 […]

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Dewi

Place: Denpasar, Indonesia   Age: 49   Business: Straßenstand   Loan: 71 €   Dewi and her husband both work very hard to take care of their three children. Toni sells sunglasses whereas Dewi operates a Warung, a typical Indonesian kiosk. Together, they earn a daily per capita income of 1,70€. Since the living costs […]

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Tamar Center

Tamar Center in Pattaya, Thailand, is a part of Project Life Foundation in Thailand which is audited which is being audited externally once a year. The charity was founded in 1999 and has between six and eight Thai and three to five foreign employees as Staff. Pattaya is Thailand’s unofficial capital for sex tourism. More […]

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Students Philippines

Four more students have completed their course in the Philippines. Here you can find out who they are.  Belen is 47-years old and lives in a small town, approximately one hour from our partner organisation Project Life. Her husband works as a welder for a shipyard and yet, just about manages to sustain the family. The […]

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Eka

Place: Denpasar, Indonesia   Age: 37   Business: Laundry   Loan: 71 €; 71 €; 71 €   Update March 2018 After fully repaying a second loan, Eka asked for and received a third as the number of clients increased a lot. Update January 2018 Thanks to larger bulk packs, Eka was able to reduce costs […]

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Micro Lending: Respecting Cultural Diversity

Gendriani is Hindu and lives in the most northern part of Denpasar, the capital of Bali – far away from the main tourist areas. As agreed, she repaid her first microcredit within 3 months by January 2017. Thanks to the initial credit, she was able to buy an additional hotplate, a new wok and supplementary […]

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Sri R.

Place: Denpasar, Indonesien   Age: 52   Business: Straßenstand   Loan: 71 €   Sri and Sutoyo moved from East-Java to Bali with their daugther and two sons in 2008, because the shoe factory where she worked shut down and she could not find any work elsewhere. Sutoyo started working as construction worker and Sri helped […]

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Interview with Sanna from WKP

During his visit at WKP Foundation in Denpasar, Alexander Rachor conducted an interview with the project coordinator Sanna who is our contact person there. Since when do you work with WKP? I am member since 2004 and I am working in a voluntary capacity as program coordinator. What motivated you to join? I am motivated by […]

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Cooperative “Formula”

Place: Suela, Indonesia   Age: 25 – 40   Business: Various   Loan: 5 x 135€   Five of our borrowers are living in Lombok. However different their initial situations are, they all have a common goal: together with ‘FORUMULA’, their village cooperative, they would like to build a tourist information center where one can […]

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3 Years GMI

What started late November 3 years ago with 10  enthusiastic people has turned into an international organization with 71 supporting members from 6 countries. Several volunteers support our director Tobias Schüßler and his 2 fellow board members in their efforts to provide people in Southeast Asia with opportunities for a financially independent and better life […]

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Rasmini

Place: Denpasar, Indonesia   Age: 67   Business: Road Stall   Loan: 5 x 35€   Update February 2018 Rasmini receives another microcredit. Update Dezember 2017 Rasmini was able to repay all her micro loans in time. Now she receives a fourth loan. Even this time the senior citizen does not want to take a bigger risk and […]

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Seni

Place: Denpasar, Indonesia   Age: 59   Business: Gasoline   Loan: 35€; 53€; 53€; 71€; 71€    Update May 2018 Rising oil prices made the gasoline prices clim in Indonesia, too, especially over the holidays. We therefore gave Seni another micro loan so that she would not have to close her second gas station.  Update January 2018 Seni […]

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Catherine

Place: Matain, Philippines   Age: 32   Business: Tailor Shop   Loan: 192€; 96€   Update November 2017 The latest trend in the Philippines: Hello Kitty products. The single mom knows how to make use of this opportunity and also produces Hello Kitty bags. For a bulk order of the respective materials she received another micro loan.  […]

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Sriami

Place: Denpasar, Indonesia   Age: 48   Business: Biscuits   Loan: 35€; 35€; 53€; 71€   Update February 2018 Nothing is greater for us than hearing that our participants start helping others with their skills. Sriami realized that she reached her capacity for producing even though demand was still high. She could now hire her first […]

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Contribute a Little to Make a Big Difference

How can 3€ per month help?  There are already a few supporters for our 3€ Initiative. The sum of all donations helps us to help a few additional people every year. The more people participate, the more projects everyone has contributed to.  Our Promise: We follow the path of each donation. Therefore, at the end […]

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Komala

Place: Pringgasela, Indonesia   Age: 70   Business: Weaving  Loan: 135€   70-year-old Komala lives in her deceased husbands’ house, located in Pringgasela Selatan together with her daughter. In her early years, her mother taught Komala sewing and natural dyeing, using natural ingredients of the tarum tree. This is an Indonesian plant which grows in coastal and […]

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How Microcredit Empowers Women

Microcredit is an important tool for empowering women in developing countries. Therefore it is not surprising that the majority of borrowers are female. Among the poorest borrowers, they constitute 85%. Multiple studies have encouraged the idea of lending mainly to women. It appears that women invest their funds more conservatively and therefore repay more reliably. […]

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Interview with Juaini from Gema Alam

This is our interview with Muhamad Juaini, done by Alexander Rachor about our joint cooperation in the east of Lombok, Indonesia. Together, we aim to establish lending groups in six villages.  What is your role at Gema Alam and why did you want to be a part of it? I am one of the founding […]

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Volcanic Eruption on Bali

Mount Agung on Bali is expected to erupt, forcing thousands of people in the East of Bali to evacuate. Hermanto participated in our program until April this year and delivered motorcycle spareparts mainly to clients in the affected region. Because of the current crisis, his business collapsed. Normally, this would mean big trouble for the […]

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Sutri

Place: Denpasar, Indonesia   Age: 54   Business: Curbside stall   Loan: 35 €   54-year old Sutri and her husband Gundara are originally from Karangasm, eastern Bali. They have three children. After their wedding in 2000 they moved to Denpasar. Sutri makes “Banten”, traditional offerings which are used in Hindu rituals. She delivers them […]

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Sri

Place: Peringgasela, Indonesia   Age: 39   Business:  Weaving Loan: 135€   39-year-old Sri lives with her mother in Peringgasela Selatan. After graduating in 1998 she began sewing. Today, she is the chairwoman of a women’s’ sewing association. The garments are sold in several boutiques or to collectors. Gas cartridges used for stoves are sold as well. […]

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Another Batch Graduated

Another batch of sponsored students has graduated from their class. in this group, we sponsored 4 of them. With the certificate they now hold, finding a permanent job is way easier. Thank you all for your donations to make this possible!

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Reaching Rural Communities

We are expanding the reach of our program! Together with Gema Alam we are going to provide access to microcredit for people in six remote villages on the island Lombok in Indonesia. Gema Alam is a non-profit institution that has been supporting villages in the east of Lombok since 2005. The organization focuses on sustainable […]

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Sulis

Place: Denpasar, Indonesia   Age: 48   Business: Warung   Loan: 35€; 35€   Update November 2017 With one month delay, Sulis fully repaid her second micro loan.  Update August 2017 Sulis tried to track the success of her first loan. The stunning result: from her 35€ investment, she made a profit of 35€ after full repayment! Motivated by her […]

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Meet our Members

Read the interview with Maria Schwierz, member of Global Micro Initiative e.V.: Why did you choose to become a member? I was sold on the concept to teach people how to help themselves. What makes Global Micro Initiative e.V. special? I find it great that they offer such a holistic concept. They support job trainings […]

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Jenifer

Place: Barretto, Philippines   Age: 25   Costs: 90€   Jenifer is 25 years old. She currently lives in Barretto but originally she’s from Bulacan province. In her family she has 13 members including her 11 siblings and her parents. Her mother works as a sewer and her father has no work.  She moved here in Olongapo […]

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Eva Thiem – Impressions from Indonesia

When I was invited by our director Tobias Schüßler to intensify my involvement and support GMI directly on site, I did not hesitate. For more than a year I have been involved with GMI in a voluntary capacity and now I had the chance to get to know the people about whom I had read […]

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Join Us Now

Since November 2014 we have given out 37 micro loans and sponsored 17 job trainings. Director Tobias Schüßler is currently in Indonesia. There, he just launched a new program together with WKP in order to give micro loans to even poorer people. For the target group, it is completely impossible to access fair credit from […]

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Debaya

Place: Denpasar, Indonesia   Age: 23   Business: Warung   Loan: 35€   As a small island in the midst of the Indian Ocean with breath-taking beaches, friendly inhabitants and a unique culture, Bali attracts many tourists as well as inhabitants of the neighbouring island Java as does the 23-year-old Debaya, who moved to Bali together with her […]

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Two Months with WKP: “I am really impressed”

Alexander Rachor, one of our founding members is visiting our partner WKP in Indonesia for two months. In this blog he talks about his experiences:  “As member it is important to me to get to know the living conditions of the people whom we help to live a better life. Before, I had pictures to […]

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Rahayu and Poniwan

Place: Denpasar, Indonesia   Age: 47 and 49   Business: Street Food   Loan: 35€; 35€; 35€; 35€   Update October 2017 Take a look at the pictures below: this is the items that the couple bought with their last loan and their business earnings. We gave out a fourth loan to Rahayu and Poniwan so that they can […]

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Goal reached: 18 job trainings can be funded!

Thanks to your numerous donations via betterplace.org or bank transactions, we have raised enough funds to support 18 job trainings this year! This will allow 18 families to live a better and more independent life. Here you can read about the latest participants and learn more about their living situations.

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“This Changes Everything”

A study conducted in cooperation with Heilbronn University about the economic and social changes resulting from our work shows surprising results. We analysed 15 participants who received a total of 24 micro loans between 2014 and 2016. On average, the micro entrepreneurs were able to raise their daily income from 1,76€ to 2,50€ per person. This is […]

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Sharing Experiences

During the past weekend, Director Tobias Schüßler had the chance to share our micro loan experiences with another charitable institution that has just started to use microcredit. On Bali’s neighbour Island Lombok, Gema Alam is helping people in six villages to improve their social and economic situation. Schüßler: “After a twelve hour journey we were […]

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New Lending Program with WKP

With a new program we want to reach more people who live under less than 2 Euro per person per day and empower them to live a better and independent life. Signing our new partnership agreement with WKP Foundation in Denpasar, Indonesia, lays the foundation for this.

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Gendriani

Place: Denpasar, Indonesia   Age: 47   Business: Small Restaurant   Loan: 137€; 135€; 135€   Update Juni 2017 To further improve her business, Gendriani received a third micro loan of 135€. Update Mai 2017 Gendriani repaid her second micro loan on time. Update April 2017 To take part in a Hindu ceremony in her home town, Gendriani […]

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Experiencing the Slums

Today we visit Nur A’Iniah. She is one of last year’s participants who conducted a two months course to learn how to sew and make traditional balinese clothes. On our motor bikes, Gusti from WKP and I leave one of the crowded main roads in the Indonesian city Denpasar and enter areas with more and […]

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Siti

Place: Denpasar, Indonesia   Age: 54   Business: Foodstall   Loan: 135€; 135€; 135€   Update March 2017 After she was able to repay the previous loan earlier than planned, the successful entrepreneur receives a third and last micro loan from us. Now she also sells jackfruit. During our visit, she happily explains Director Tobias Schüßler how she came […]

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Asmawati and Edi

Place: Denpasar, Indonesia   Age: 60 and 61   Business: Warung   Loan: 135€; 135€   Update June 2017 Asmawati and Edi received a second micro loan in order to further improve their small restaurant.  Update May 2017 Asmawati and Edi repaid their micro loan in time.  About Asmawati and Edi It is 30 years ago that Asmawati and […]

Donate without paying a dime

Now you can support our work without paying anything – using boost! On boost. com you find more than 500 participating companies!  Through ordering via boost you can support us if you use this link  to access an online shop and then do your purchase as normal. Afterwards, around 5% of your shopping amount will be donated […]

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Hermanto

Place: Denpasar, Indonesia   Age: 52   Business: Delivery Service   Loan: 142€; 178€; 135€   Update May 2017 Hermanto repaid his last microcredit in time!  Update March 2017 Hermanto received a third and last microcredit from us. He used it to make another large bulk order. Update Dezember 2016 After a dramatic motorcycle accident Hermanto was not […]

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Aireen

Place: Subic, Philippines   Age: 38   Business: Tailor Shop   Loan: 96€   Update May 2017 Aireen fully repaid her microloan in advance. About Aireen Aireen lives together with her husband and three children in Subic, Philippines. Until recently, the woman had to stay at home and take care of the family as her husband lived abroad for […]

Measurable Impacts

A transparent evaluation of our programs is especially important to us in order to guarantee sustainable programs in Indonesia and the Philippines. Our first impact study shows positive results in Denpasar, Indonesia: Yenni’s Warung In order to provide for her living after the death of her husband in 2015, Yenni (51) decided to open a […]

News Archive

On this page you can continue to read older news that were published before the relaunch of our homepage in May 2017.   22.04.2017 Gendriani received a second micro loan after being able to increase her daily income by 20% through the first loan. In Bali, Religion plays a major role in the daily lives of […]