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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 […]


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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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 […]


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 […]


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 […]



Place: Denpasar, Indonesia   Age: 37   Business: Laundry   Loan: 71 €; 71 €   Update January 2018 Thanks to larger bulk packs, Eka was able to reduce costs by 10%. Even though she had to repay the loan, her profits rose by 5%. In order to win more customers and advertise, she receives a […]


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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Place: Denpasar, Indonesien   Age: 35   Business: Selling Crackers   Loan: 35€; 35€   Update November 2017 It’s “Galungan” soon, a big hindu ceremony. Similar to our Christmas, people are buying a lot of things for friends and family. In order to make use of the increased demad, we give Indhartik a second micro loan. […]

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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 […]


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 […]


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 […]


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 […]



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 […]



Place: Denpasar, Indonesia   Age: 59   Business: Gasoline   Loan: 35€; 53€; 53€; 71 €   Update January 2018 Seni finally opened her second petrol station. To get the new business to maximum capacity, we gave her a 71 € loan. Update November 2017 As Seni was able to fully repay her second micro loan on time, […]

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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 […]



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 […]


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. […]



Place: Olongapo, Philippines   Age: 49   Costs: 90€   The 49-year-old Haydee lives together with her husband and their five children in a small house in Olongapo City. Her husband works as a taxi driver and by this, takes care of the family. But Haydee wants to support her husband and her family as well, […]


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 […]



Place: Olongapo, Philippines   Age: 50   Costs: 90€   Like most people in Olongapo City, the 50-year-old Heidi struggles daily to take care of her family. She lives together with her husband and their two children. She takes part in our program to learn more about producing clothes. After the apprenticeship, Heidi would like to […]

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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 […]



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 […]



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. […]



Place: Baretto, Philippines   Age: 25   Business: Tailorshop   Loan: 100€   Close to Olongapo, a city on the Philippines, is Subic Bay Freeport Zone, a US naval base until 1992. The people of Olongapo live impoverished and fight for their daily livelihood albeit high-school diplomas. One of them is Jenifer, a young mother from a […]



Place: Subic, Philippines   Age: 49   Costs: 90€   Marilyn lives in Calapandayan Subic, Philippines with her two children and her husband. Her husband is pastor in a small church. The ambitious 49-year-old does not only take part in our apprenticeship program to learn sewing school uniforms and dresses but she also wants to find […]


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!



Place: Olongapo, Philippines   Age: 41   Costs: 90€   Like many of our participants Loredel Rodavia is from Olango on the Philippines. The 41-year-old lives in a small three-bedroom house with her family and relatives. Her husband works as a mechanic to care for his family. Loredel decided to take part in our apprenticeship program […]



Place: Selong, Indonesia   Age: 29   Business: Warung   Loan: 15€   29-year-old Muslihan lives as one of six daughters with her parents in a small apartment in Selong. She recently received a micro loan from us. In this interview you can read what she utilized it for. Gema Alam: Telll us some thing about yourself. […]



Place: Selong, Indonesia   Age: 30   Business: Warung   Loan: 14€   As a small neighbouring island of Bali, the island Lombok receives only little attention. With its magnificent nature, high mountains and friendly inhabitants, Lombok is equally charming. Thanks to our partner organisation Gema Alam we got to know 30-year old Yon. His parents moved […]

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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 […]



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 […]



Place: Denpasar, Indonesia   Age: 39   Business: Lieferservice   Loan: 35€; 2 x 50€; 2 x71€   Update December 2017 Before her first micro loan, Rumini was able to deliver to five curb side shops. Now the number rose to seven. After her return from Java, the situation went back to normal, therefore she is now confident […]



Place: Olongapo, Philippines   Age: 36   Costs: 90€   This is Jenny and she’s 36 years old. She currently lives at La union street Barretto Olongapo City. In her family she has 6 members including her 4 siblings and her parent’s works as a sewer. She is single and the reason she participated in our sewing […]



Place: Olongapo City, Philippines   Age: 30   Business: Street Food   Loan: 125€   Cindy lives with her 11-year old daughter Charlotte in Olongapo City in the Philippines. The 30-year old never had an easy life. With her husband and her daughter, Cindy lived for a long time at her parents in one of the cities […]


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 […]



Place: Denpasar, Indonesia   Age: 44   Business: Food Delivery   Loan: 35€; 71€, 71€   Update November 2017 Victor repaid his third microcredit one month later than expected. He is now able to send his children to a better school. Update August 2017 After repaying his second loan, Victor’s income increased another 15%. Distributing to more roadside […]


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 […]


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 […]


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 […]


Goal reached: 18 job trainings can be funded!

Thanks to your numerous donations via 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.


“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 […]



Place: Denpasar, Indonesia   Age: 52   Business: Road Stall   Loan: 35€; 52€   Update June 2017 Sutarmi repaid her first microloan successfully and received a second microloan of 52€. With that she wants to open a second stall in another location. About Sutarmi Together with her son, her two daughters and her husband, Djawata, 52-year-old Sutarmi […]

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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 […]


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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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 […]


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 […]



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 […]


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 […]

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 […]