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Royane

Place: Subic, Philippines   Age: 33   Business: Sari-Sari Store   Loan: 90 €   33-year old Royane lives together with her family in their own home in Subic. Owning property is quite uncommon for most of the population due to high levels of destitution. Her husband Benwil works as a grinder and makes approximately […]

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Miswaras

Place: Denpasar, Indonesia   Age: 32   Business: Tailor shop   Loan: 35 €   Miswaras and her husband met a few years ago on their home island of Java and decided 2012 to move together for a better life on the neighboring island of Bali, about 600 km away. Miswaras began working in a tailor’s […]

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Marylyn

Place: Barretto, Philippinen   Age: 31   Business: Sari-Sari Store   Loan: 90 €   Olongapo is a city in the Southwestern part of Luzons, the largest island of the Philippines. The city is close to the Subic Bay Freeport Zone, which, until 1992, was a US marine base. The people there live in deprived […]

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Angelie

Place: Olongapo, Philippines   Age: 22  Business: Clothing Store   Loan: 90 €   Similar to some of our other micro entrepreneurs, 22-years old Angelie lives in Olongapo, the largest Filipino city close to Subic Bay. Angelie lives there with her husband and four children, who are aged between 1 – 6 years. At the moment, […]

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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 […]

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Nursiyah

Place: Denpasar, Indonesia   Age: 51   Business: Warung   Loan: 2 x 71 €   Update August 2018 Nursiyah’s income is now at least 10 % higher compared to before. However, she is not able to determine an exact number, as exact bookkeeping is not done in small Indonesian companies. Motivated by her success, she […]

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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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Aryati

Place: Denpasar, Indonesia   Age: 45   Business: Offerings   Loan: 4 x 71 €   Update September 2018 Aryati received a fourth loan – her business is improving continuously. 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 […]

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Lodiwika

Place: Denpasar, Indonesia   Age: 43   Business: Tailor shop   Loan: 3 x 71 €   Update September 2018 Lodiwika received a third micro loan after she repaid the previous one. Update May 2018 A bulk order of 50 school uniforms helped Lodiwika, to repay her loan much sooner than expected. In order to buy […]

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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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Rati

Place: Denpasar, Indonesia   Age: 63   Business: Warung   Loan: 3 x   Update September 2018 We gave out our 125. micro loan to Rati in September. For her it was the third loan which she will use to expand her little Warung a bit further. Update May 2018 Rati repaid her loan in time. […]

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Jenifer

Place: Baretto, Philippines   Age: 25   Business: Tailorshop   Loan: 100€; 2 x 166€   Update September 2018 Now, Jenifer received another micro loan as she was not able to fulfill a large order without immediately getting an additional machine.    Update June 2018 Jenifer cancelled a third loan application. She had saved enough money to […]

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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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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 […]

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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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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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Indhartik

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 […]

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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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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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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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Emencita

Place: Olangapo, Philippines   Age: 55   Business: Tailor Shop   Loan: 192€; 96€   Update October 2017 In the strictly catholic Philippines, Christmas season traditionally starts in September. This is the best time to sell, so Emencita wants to increase her production to benefit from the situation. In order to buy in bulk in Manila, she […]

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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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Muslihan

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. […]

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Yon

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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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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Rumini

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 […]

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Cindy

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 […]

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Victor

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 […]

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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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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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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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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 […]

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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 […]

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Alimie

Place: Subic, Philippines  Age: 33  Business: Tailor Shop  Loan: 96€   North of Subic Bay, not far from the international cooperations in the freeport zone, the small town Subic with its 90.000 inhabitants is located. This is where Alimie lives together with her husband and child. Her husband’s unemployment is a big financial challenge for […]

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April

Place: Subic, Philippines   Age: 19   Business: Tailor Shop   Loan: 98€   So far, April is the youngest participant in our program. Furthermore, she is also the first one to take up study at university as it is her dream to become a teacher. With the microloan she bought a sewing machine as well as cloth […]

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Yenni

Place: Denpasar, Indonesia   Age: 51   Business: Diner   Loan: 135€; 135€; 135€   Update January 2017  Yenni repaid her third micro loan. Her daily income now averages 5,35€. That is a 78% increase when compared to before the first microcredit! Update October 2016 Yenni applied for a third and final loan after having repaid her first two micro loans in […]

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Risa

Place: Denpasar, Indonesia   Age: 34   Business: Kerbside Stand   Loan: 102€; 135€   Update June 2017 Risa received a second micro loan from us! Now she finally hopes to turn her dream of her own small shop into reality. Update March 2017 Risa opened her small kiosk in order to provide for her family after Hermanto’s […]

Archive

On this page you can read about our former project participants and find out how a micro loan changed their lives.