Cooperative “Formula”

Place: Suela, Indonesien   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 also […]


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: 4 x 35€   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 requests only 35€, which we gladly provide […]



Place: Denpasar, Indonesia   Age: 59   Business: Gasoline   Loan: 35€; 53€; 53€   Update November 2017 As Seni was able to fully repay her second micro loan on time, we accepted her request for a third one. With this, she hopes to finally open her new shop. Update October 2017 Unforeseen school expenses halted Seni’s plan […]

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Place: Denpasar, Indonesia   Age: 48   Business: Biscuits   Loan: 35€; 35€; 53€   Update December 2017 Sriami tells us that her income increased again by 7%. She fully repaid her second loan and received a third one. Update October 2017 Sriami was able to increase her daily income by 5%. Like other street vendors, […]

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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, Indonesien   Age: 54   Business: Straßenstand   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 to four […]



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, Indonesien   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€; 50€; 50€; 71€   Update October 2017 In early October, Rumini’s mother got seriously ill. So Rumini had to leave her business for a while, travel to the neighbouring island Java and take care of her mother. Paying for the trip, the hospital and medicine, most […]



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: Barretto, Philippines   Age: 36   Costs: 90€   This is Agnes and she’s 36 years old. She currently lives at Baretto Olongapo City. In her family she has 4 members including her 3 children and her husband works as a butcher. Her family lives together with her mother-in-law in a small apartment so that they […]



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 […]



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 […]


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: Olongapo, Philippines   Age: 54   Costs: 90€   This is Teresa and she’s 54 years old. She currently lives in Olongapo City. In her family she has 3 members including her 2 children and her husband works as a driver. Her family lives together with their other relatives in a small 3 room house so […]



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 […]

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Place: Olongapo, Philippines   Age: 20   Costs: 90€   Menche lives together with her 5 siblings and her parents. Menche’s father is a construction foreman and her mother works as a street sweeper at their barangay.  Menche participated in the sewing program as she not only wanted to learn how to sew but also improve her […]

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Place: Castillejos, Philippines   Age: 36   Costs: 90€   This is Maria Leonora Novales, a 36 year-old currently living at P-4 Barangay Del Pilar, Castillejos Zambales. Maria’s husband works as a tricycle driver and he earns 300p per day. They been living together for 20 years and they have 6 children. Their living situation is manageable […]

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Place: Olongapo, Philippines   Age: 18   Costs: 90€   Paula has 3 siblings and her step-father works as a construction worker in Hanjin Company while her mother works as a beautician. Paula participated in sewing training as she wants to be able to find a job in the clothing industry one day. According to her, the training […]



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 […]

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 […]



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 […]

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 […]