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Place: San Isidro, Philippines   Age: 47   Business: Pig farming   Loan: 88 €   The authorities of the Philippines have stopped to import pork meat and pork produces from Germany a few months before. The reason was due to a threat of importing produces contaminated with African Swine Fever Virus (ASFV). While ASFV […]



Would you like to know who is running our projects in the Philippines, in Indonesia or in Thailand and who makes sure that you know what happened to your donation? Then you have come to the right place: In our new series we introduce the people behind our partner organization to you. Today: Anthony Agones, […]



Place: Zambales, Island Luzon, Philippines   Age: 29   Business: E-Loading  Loan: 87 €   In Zambales, a province on the Philippine island of Luzon, Anafe Eclar lives with her husband, two children and other relatives in a small modest home. Anafe’s husband works as a trycicle driver (a motorized tricycle), a typical means of […]

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From Dream to Reality

During your childhood you have many dreams. Some of the following women would have wished to save lives as a doctor, go to the police, or travel around the world as a stewardess. But in a poor country like the Philippines, education is expensive, and many locals have no choice but to work in low-paid […]


Women in Lombok: Equality

Gender equality and women’s rights are written in capital letters in Indonesia, at least in the constitution. In reality however, the situation is often different. Women continue to be disadvantaged, and socially and structurally discriminated against. This is noticeable in many areas of life. In some cases, women are married as children, single mothers have […]

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Place: Olongapo City, Philippines   Age: 41   Business: Trade with Rice   Loan: 87 €   In Asia you can find so called KTV (Karaoke Tele Vision) Bars in which you can rent a special Karaoke cabin and sing with your group. Karaoke´s a famous musical and cultural heritage of many Asian countries. Shiela […]


A starter kit against poverty-prostitution

For many of us Thailand is known as a magnificent holiday destination with stunning beaches, wildlife parks, elephants and temples. But there´s local Thai who live in horrendous circumstances like Ken. She has grown up in an orphanage under harsh conditions. Ken never finished school and doesn´t have any degree. Due to this she was […]



Place: Olongapo City, Philippines   Age: 48   Business: Onlineshop   Loan: 87  €   Marian is one of the 233.000 citizens of Olongapo City in the Philippines. She ́s 48 years old and unmarried. Her father was a single parent and took care of Marian and her two sisters until he has passed away […]

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Place: Lombok, Indonesia   Age: 32   Business: Warung   Loan: 66 €   About 3.35 million people live on the 4,725 km² large island of Lombok. In contrast to agriculture, tourism on the island is of subordinate importance. Therefore, the people concentrate mainly on the cultivation and sale of rice, vegetables and spices. One of […]

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Women in Lombok: Empowerment Through Loans

Muliana, a 20-year-old Indonesian woman from a small village named Kelayu runs her own shop in a male-dominated area. A few months before she had to walk a long way through mud and a gravelled road just to get to the nest supermarket. Global Micro Initiative has helped her with a microloan. We help Women […]

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We are 100!

Volunteering as a matter of the heart – 100th member of the sponsorship comes from Karlstein Helping people to help themselves. Encouraging people to achieve their goals and to realize their dreams. For Marcus Meinl, this has long been a personal concern. Now he is working together with us, Global Micro Initiative e.V.. Five years […]

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Touching Impressions – Indonesia

Dennis Franz, member of GMI visited the slums in Indonesia. After his return, Silvia Schüßler, member of the board, interviewed him   As a member you have been supporting GMI for a few years. How did you become part of GMI? I have been friends with Tobias Schüßler, the founder of GMI, since our school […]



Place: Lombok, Indonesia   Age: 54   Business: Tailor Shop   Loan: 124 €   Makenun and her husband do their best to take care of their two children. As everyone who was affected by the earthquake on the Indonesian island of Lombok, the struggle to earn a living has gotten even harder than before. Makenun […]


Saving Money

This year’s stay in the Philippines was used by our director Tobias Schüßler to develop a new program with the team of our partner organization Project Life Subic. The aim is to bring the benefits of saving money to the participants of the trainings we support for industrial textile processors, which also to help them […]



Place: Lombok, Indonesia   Age: 46   Business: Veg stall  Loan: 125 €   Saemeh´s from Eastern Lombok – Indonesia, a rural and less developed area. She´s a mother of three children. When she used to be a housewife, her husband was the only person earning income for the family. He works in the agricultural sector. […]



Pattaya is a city in southern Thailand and famous for it ́s vibrant nightlife. Pla was 18 years old when she moved to Pattya, originally from the north of Thailand. She came to the city like many other Thai women from rural areas who seek to earn more money in order to support their family. […]



Helping together: First team event of the Global Micro Initiative What makes the Global Micro Initiative? We dealt with this question intensively on Saturday in our first team event in Karlstein am Main. Together with five GMI members, GMI founders Tobias, Silvia and Marion talked about the mission, values and appearance of the non-profit association. […]

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When things don’t go as planned

We from Global Micro Initiative help people who would never be able to receive a loan from a profit-oriented bank. Due to this fact there´s a coherently high default risk. Participants who receive a microloan are predominantly able to redeem it. But in some cases, it happens that the participants aren´t able to pay it back […]



Place: Lombok, Indonesia   Age: 39   Business: Food processing Loan: 62 €   The two languages Bahasa Malaysia and Bahasa Indonesia both belong to the Malay language and therefore are very similar. This simplifies communication for Salihin with her husband, who originally is from Lombok and went to Malaysia to find work. The Indonesian island […]



Place: Lombok, Indonesia   Age: 48   Business: Tailor Shop   Loan: 61 €   More than 27% of the total 241 million Indonesians live in poverty. However, there are large regional differences. While in Java, the country’s main island, about 23% of the population live in poverty, the proportion of the poor population in some […]


Loosing your home

We actually wanted to visit Angelo – we drove almost an hour with the Jeepney, the typical public transportation of the Philippines. Angelo has renovated a beauty salon with our microcredit. We have not made an appointment as time and punctuality have a totally different meaning here. When we got off the jeep, we were […]



Place: Subic, Philippines   Age: 48   Business: Delivery Service   Loan: 90 €   Susanna heard about us from her niece Sarah, who at the same time is her neighbor and just received her second micro loan. After presenting a promising business plan together with her loan application, the Project Life Subic team and […]


Business Management Training

How can people in poorer, remote regions of Indonesia sustainably be empowered to live a financially better life? How can we strengthen the economic condition of an entire village community, do so permanently and individually help people in need? These are the questions our board members asked themselves. Together with the Indonesian partner organisation Gema […]


Together we Achieve More

Thanks to the amazing support of the matched giving campaign of our local bank we are able to sponsor 10 students in every batch of this year’s sewing classes of our partner Project Life Subic in the Philippines.  During his stay in the Philippines, our director Tobias Schüßler was able to personally hand over the […]

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Place: Denpasar, Indonesia   Age: 41   Business: Warung   Loan: 35 €   Update June 2019 Mawati received another loan in order to further increase her business About Mawati In addition to rice, spicy food, dreamlike temples, picturesque beaches and the tropical climate, the well-known warungs – mobile stalls and food kitchens – are also […]

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My visit in the Slums

GMI member Andreas Schüßler from Hösbach visited our projects in the Philippines with our director Tobias Schüßler in April. He reports: “Crushing heat, tired dogs, houses without a floor – and in between: Laughing children – that’s what I perceive when I’m in a slum for the first time in my life. Apart from me, […]


Presentation at Heilbronn University

On May 8, Tobias Schüßler visited Heilbronn University where he studied when founding GMI in 2014. In two lectures, he told the students how we help people by giving out micro credits and sponsoring trainings. Also, he encouraged the audience to use the skills they acquire during their studies to the benefit of others. We […]



Place: Denpasar, Indonesia   Age: 53   Business: Minimart   Loan: 35 €   Many Indonesians have less than two euros to live each day. With the money, they often barely manage to pay for their accommodation and meals. To help these people live better and independent lives, we launched a new program in April 2017 […]


Tobias Schüßler in the Philippines

In early April, our director Tobias Schüßler visited our partner organization Project Life Subic in the Philippines. Besides checking the accounts of our funds, Schüßler also visited current micro loan recipients and conducted interviews with potential borrowers. Schüßler reports: „The accounts of Project Life Subic were managed exemplary, with a discrepancy of approx. 30 cents. […]

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Place: Selong, Indonesia   Age: 47   Business: Street Vendor   Loan: 67 €   Life hasn’t been easy for 43-year-old Murniati. After a short marriage, her husband died, leaving her alone with a son. The physically strenuous work in the rice paddies of Lombok helped the single parent to feed herself and her child, but […]



Place: Denpasar, Indonesia   Age: 33   Business: Warung   Loan: 35 €   Originally from the island of Lombok, Mainim decided to move to Bali last year, because after the earthquake of 2018, Bali’s already impoverished neighbouring island fared even worse. The 33-year-old has rented a spot on the road around Denpasar and now sells […]


10 Additional Trainings

Growing up without any real education, a monthly family income of 80 to 250 Euros, as well as living with several relatives in simple Two-bedroom apartments – all these commonalities are shared by the 10 women, aged 22 to 56, who are participating in our apprenticeship program as industrial seamstress in the Philippines. However, not […]


Meet Our Board

For the past four years, we have been dedicated to improving the lives of people in Southeast Asia by empowering them to built their own future. We now have more than 84 members, led by three board members, who are dedicated and committed to the goals of GMI. „We’re a strong, engaged team”, says Tobias […]


Cakes of Jurit Baru

During our stay on the Indonesian island of Lombok, we also visit Raodah in the village of Jurit Baru. The 39-year-old’s home sits on an unpaved road, with the village mosque 50 meters away. The sun has just set and the muezzin calls to prayer, so we have to speak very loudly to understand each […]



Ort: Denpasar, Indonesien   Alter: 23   Geschäft: Cracker Verkauf   Kredit: 2 x 35 €   Vielen Indonesiern stehen pro Tag weniger als zwei Euro zum Leben zur Verfügung. Mit dem Geld schaffen sie es oftmals nur knapp, für ihre Unterkunft und Mahlzeiten zu bezahlen. Um diesen Menschen zu einem besseren und unabhängigen Leben zu […]


Volunteer on Site

If volunteering with a non-profit organization raises the desire to get to know project participants on site, then there is only one way: Packing a suitcase and getting on the plane! That’s exactly what Rebecca Ghawi did. Together with our CEO Tobias Schüßler, she travelled to Indonesia and accompanied him on his visits at partner […]

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Presentation at PGS

Almost 100 pupils and teachers of Paul Gerhadt High School participated in a presentation session held by our director Tobias Schüßler about our work in South East Asia. Starting from people who scavenge the garbage mountains of Manila for food up to the positive effects which our loans had on participants, he explained to the […]


Sapit Village

Place: Lombok, Indonesia   Age: 30   Business: Coffee Roasting House   Loan: 128 €, 192 €   Update Within a few months Sopian was able to increase his deposit from 100 kg coffee to 200 kg and to pay his credit off. However the market demand for coffee is about 400 kg, so Sopian decided […]


Sarah and Angelo

Two of our micro-borrowers live about an hour apart. Angelo and Sarah both grew up in poor conditions in the Philippines. Sarah lives in Olongapo City and Angelo in Subic. Beyond their living conditions, the two have one thing in common – they both successfully participated in our training program! Both wanted to provide for […]



Place: Denpasar, Indonesia   Age: 42   Business: Streetfood   Loan: 2 x 35 €   Update January 2019 After Ekta repaid her first microcredit, she received a second one. About Ekta Denpasar is not only the capital of the island of Bali, it is also the economic and social center. Almost 500,000 people live there, […]


Member Assembly on January 26

Last saturday, our annual member’s meeting took place in Hösbach. Our director Tobias Schüßler presented the highlights of the past year to the 23 guests and gave an outlook of what’s to come in 2019. The actions of the board were officially approved for 2018 and the current board was reelected for another 2 years […]


Kelayu Village

Place: Lombok, Indonesia   Age: 20 Business: Warung   Loan: 128 €, 192 €   Update Muliana pursued her goal of having an own supermarket and giving people jobs. With her ambition and hard work she was able to pay off her credit. Now she applied for another one on the amount of 192 € to […]


How Tailor Trainings Transform Lives

Participants of our sponsored sewing training not only learn how to handle high-speed sewing machines, various yarns and fabrics. They also learn how to apply to local employers and convince them in a job interview, punctuality and reliability are also being worked on. At the end of last year, another group of students benefited from […]


Impressions from Indonesia

Tobias Schüßler, our director, travelled to Indonesia for two weeks at the beginning of December to visit partner organisations and project participants, to verify the proper use of the donations and to plan further cooperations. He was accompanied on this privately funded trip by Dennis Franz from Sailauf, who has been supporting the non-profit association […]

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Rebuilding in Lombok

A few months ago, several strong earthquakes shook the Indonesian island of Lombok. First aid reached the victims quickly and the locals could soon begin to rebuild their homes. The economic life in the small villages, however, came to a complete fall for a few weeks. Together with our partner organisation Gema Alam, we gave […]



Place: Denpasar, Indonesia   Age: 45   Business: Offerings   Loan: 2x 70 €   Update December 2018 In December, a lot of Hindu Holidays were coming up. In order to satisfy the higher demand for offerings, Wardani received a second micro loan of 70 Euro. About Wardani Wardani is from the Balinese capital Denpasar, Ardiasa […]


Visiting Kasmiati

In the village of Wanasaba we visit Kasmiati. Since our partner organisation Gema Alam does not carry out projects in Wanasaba otherwise, Kasmiati is the only participant. She heard about Gema Alam’s projects and the micro-credits because she is a member of a village cooperative in the neighbouring village. The small hut consists of a […]


Mael (22) comes from the province of Chaiyaphum in northeastern Thailand. Since there is little work available in Chaiyaphum, she had come to Pattaya. There, she worked for two years in a go-go bar on the famous “Walking Street”. “Mael has heard of the Tamar Center from another woman who came to us in the […]

Tobias GMI – Tag 2-8


title photo by Conweimar Place: Denpasar, Indonesia   Age: 47   Business: Coconuts   Loan: 2x 70 €   Update December 2o18 Shortly before our visit of Sutri’s store, Sutri received another micro loan. This helped her to order in bulk and ever since, a delivery truck comes by her shop every day. This makes her […]


After the earthquake: Hariyanto and Haeniah

Update Just one month after reopening Haeniah had to appoint employees, because her shop was crowded by people and she was unable to run it alone. Now, after she paid off her first credit, she applied for another one in the amount of 320€ to buy new equipment, a shelf as well as a refrigerator […]



Place: Subic, Philippines   Age: 37   Business: Sari Sari Store   Loan: 83 €   Subic is a municipality in Zambales province and the site of a former U.S. military base at Subic Bay. Our micro-borrower Carina lives among approximately 100,000 inhabitants of the city. The 37-year-old mother lives in a small one-room-home with […]



Place: Denpasar, Indonesia   Age: 32   Business: Hijab-Shop   Loan: 67 €; 67 €   Update November 2018 Oktavia’s strategy worked and her increased product variety also attracted more customers. As she is selling more now, she also needs to have more items in stock. With another micro loan, we enabled Oktavia to increase her […]


Philippines: Childhood dreams

Every person has dreams, no matter what conditions they grow up in. The participants in the training program of Project Life Subic, our partner organization from the Philippines all have a less privileged background. GMI volunteer Anja interviewed 3 participants sponsored by us in the current course and wanted to know from them: “What was […]

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Buy Christmas Cards and Help Others

Already thought about Christmas? Order handmade Christmas cards from Thailand and help people! For about a year now, GMI is also engaged in Pattaya, Thailand. We work with the Tamar Center, a local nonprofit foundation that enables victims of human trafficking to start a new life. When the women come to Tamar Center, they have […]



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 […]



Place: Denpasar, Indonesia   Age: 32   Business: Tailor shop   Loan: 2 x 35 €   Update November 2018 Unfortunately, Miswaras was not able to buy all materials she needed, as prices had increased significantly. Therefore she first wanted to repay her loan and then receive another one in order to buy the rest.  Über […]


Update: Earthquake in Indonesia

Since the devastating earthquake in early August, we have been in a lively exchange with the heads of our partner organisation Gema Alam.  Even 8 weeks later, there are still several minor aftershocks almost daily. The employees of Gema Alam have meanwhile built several temporary accommodations together with other relief organizations. It is especially helpful for […]

125 Micro Loans and 40 Trainings Funded!

Thanks to many generous donors, it was possible for us to award the 125 microcredit and to sponsor the 40. Training in September! This jubilee loan of around €71 received Rati from Indonesia. For her it was already the third micro-credit from us. Rati has been operating a Warung for several months, a small kiosk […]


Three Ladies – one Goal

They all want to learn to sew through our training program or to develop their skills in order to have better prospects for the future and to be able to care for their families. One of the participants is the 27-year-old Analyn from Barretto. Together with her family she lives in a humble apartment. After […]



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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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, […]



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 […]



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 […]


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. Update September 2018 3 months after graduating, we contacted the three sponsored students. Jervie works in a computer store, where he earns more than minimum […]

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Place: Denpasar, Indonesia   Age: 51   Business: Warung   Loan: 3 x 71 €   Update November 2018 In the past months, prices for gasoline increased in Indonesia, too. This meant rising prices for the ingredients of Nursiya’s warung. But while others had to close down their businesses, Nursiyah acted smart and reduced her product […]

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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 […]



Place: Denpasar, Indonesia   Age: 25   Business: Banten   Loan: 2 x 71 €   Update November 2018 The couple was able to fully repay their loan in time. Now, six months later and cautious as they are, they want to take the next step and increase their business activities even further. Therefore they received […]

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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 […]



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 […]



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 […]


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 […]



Place: Denpasar, Indonesia   Age: 43   Business: Tailor shop   Loan: 3 x 71 €; 100 €   Update November 2018 The sharp increase in prices gives most micro entrepreneurs a hard time in Denpasar, this includes our program participants, also Lodiwika. For her to still be able to buy wholesale, we gave her a […]

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 […]



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 […]


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 […]



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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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 […]



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 […]


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 […]


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.“ […]



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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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 […]


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 […]


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 €; 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 […]


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 […]


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€; 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 […]



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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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. […]


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 […]



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€   Update December 2018 It took almost one year until Sri repaid her loan as planned. Now she received a second one in order to expand the village shop further.  About Sri 39-year-old Sri lives with her mother in Peringgasela Selatan. After graduating in 1998 she […]


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 […]



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: 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 […]


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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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 […]


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 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.


“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 […]


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 […]

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 […]



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 […]

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