Microcredit2021-04-10T14:54:46+02:00

Microcredit

How do we conduct our projects?

Um sicherzustellen, dass ein Mikrokredit richtig genutzt und der Projektablauf verstanden wird, lernen wir potentielle Teilnehmende und ihre Familien persönlich kennen und besuchen deren Unterkunft. Um an unseren Projekten teilzunehmen zu erhalten, müssen sie außerdem einen kleinen Geschäftsplan kommunizieren.

Anschließend erhalten Teilnehmer einen Vertrag, in dem alle Vereinbarungen enthalten sind. Für viele von ist das der erste Vertrag, den sie in ihrem Leben unterschreiben.

Wo es nötig oder von den Teilnehmern gewünscht wird, bieten wir kostenlose Schulungen an, z.B. in Buchführung. Für Teilnehmende, die erst ein Kleinunternehmen gründen, finden die Grundlagenschulungen statt, bevor wir den Mikrokredit vergeben. So schaffen wir die Grundvoraussetzungen, dass das Unternehmen langfristig Erfolg haben kann.

Anschließend wird der Mikrokredit ausgezahlt und die Kleinunternehmer erweitern oder gründen ein Geschäft.

Während der Rückzahlungsdauer stehen wir den Geschäftsinhabern beratend zur Seite. Bei Schwierigkeiten oder Verzug finden wir individuelle Lösungen und sorgen dafür, dass ein Mikrokredit nicht zur Schuldenfalle wird.

Ist der Kredit zurückgezahlt, wird das Kleinunternehmen unabhängig weitergeführt. Bei Bedarf beraten wir unsere Teilnehmer auch nachher noch bei Fragen und Herausforderungen. Außerdem haben sie die Möglichkeit, einen weiteren Mikrokredit zu beantragen

Außerdem bieten wir allen aktiven und ehemaligen Projektteilnehmern die Möglichkeit, an kostenlosen Seminaren und Weiterbildungen teilzunehmen. So können sie ihre betriebswirtschaftlichen Fähigkeiten ausbauen und neue Ideen entwicklen. Der wichtigste Aspekt ist dabei der gegenseitige Austausch und die Netzwerkmöglichkeiten. So lernen unsere Teilnehmenden, sich bei Herausforderungen gegenseitig zu helfen und auch langfristig ohne externe Hilfe erfolgreich zu sein.

Unser Versprechen: Du erfährst, wem du geholfen hast!

Deine Spende hat als Kredit oder als Ausbildung einem Menschen ein besseres und selbstbestimmtes Leben ermöglicht – und wir sagen Dir, wem! 100 % Deiner Spende werden nach 3-6 Monaten ins Projektland überwiesen und dort eingesetzt. Sobald wir alle Unterlagen über “deine” Teilnehmer und Deine Kontaktdaten haben, lassen wir dich wissen, was mit deiner Spende passiert ist

Meet our entrepreneurs

New areas of making business and possibilities thanks to GCash

We have successfully enabled access for GCash to our microloan borrowers. This was part of our digital initiative. Mobile banking in rural areas where we help people is not as common as for in the western world. So, what is GCash? GCash is a mobile financial service. With GCash we [...]

9. April 2021|

Working at dizzying heights – no problem for Bagus

Place: Badung, Bali, Indonesia   Age: 24   Business: Internet-Installation   Loan: IDR 2 Mil./117 €   Bagus is a 24-year-old man who lives in Badung – a regency in the Indonesian island Bali. He lives together with his wife and their newborn child in a 16m² apartment. The [...]

27. February 2021|

New video: Sohrini

Sohrini is a grocer and goes from door to door every day to sell her goods. Together with her husband, who is a bamboo weaver, she works hard to be able to offer her two children a perspective for the future and to finance their schooling. With the help [...]

19. January 2021|

Increased satisfaction due to own online shop sales

Nurul Aini is aged 22 and lives together with her mother-in-law and her two daughters aged 7 and 2 on the island of Lombok in Indonesia. Nuruls husband is in Malaysia as a guest worker. He´s working in the palm oil production industry for 5 years. Nuruls husband lives [...]

8. January 2021|

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 [...]

23. December 2020|

Women in Lombok: Empowerment through Microloans

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 [...]

23. December 2020|

Lombok: Empowering Women

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 [...]

23. December 2020|

Impact Study – Indonesia

For some it might just be the amount of a new pair of shoes which equivalently can be the basis for others to live a better life. To improve the life of a single individual but also of a family a small amount is often enough. 24 out of 32 [...]

23. December 2020|

Do you have your own bank account?

If you´re from Germany and answer this question with “yes “, then you belong to the 82.3 million population for whom it´s natural to have an own bank account. Having a bank account is an exception in the poorer rural areas of Indonesia's island Lombok. We would like [...]

18. December 2020|

Success Story: Susana

Susana hat schon immer hart gearbeitet und war unternehmerisch aktiv. Neben Polvoron, einem weichen und krümeligen Schmalzgebäck, welches ursprünglich aus Spanien kommt, verkaufte sie auch Atchara, eine Gurke, die aus unreifer Papaya geschält wird. Beides sind sehr bekannte und beliebte Spezialitäten auf den Philippinen. Mit dieser Geschäftsidee konnte sie ihre [...]

10. December 2020|

Anto

Place: Pringgasela, East-Lombok, Indonesia   Age: 50   Business: Bakulan (Selling door to door)   Loan: 58 €   Inaq Anto lives together with her family in a small village located in Pringgasela which is located in the east of Lombok. Inaq has four children and is currently married for the [...]

11. November 2020|

Romagyn

Place: Baloy Beach, Olongapo City, Philippines Age: 37   Business: Sari Sari Shop / Canteen   Loan: 87 EUR/ 5,000 PHP    The sun is shining and even in the shades of the palm trees it's 30 degrees. There isn’t a soul in sight. All you hear is the sound [...]

14. October 2020|

Maria Romina

Place: Zambales, Philippines    Age: 22   Business: Secondhand Shop     Loan: 87 EUR/ 5,000 PHP   Large amounts of water are required in the production of new garments. Another part of the water resources is heavily polluted by textile production. In addition, according to WWF, the clothing and textile industry [...]

9. October 2020|

D’arr

  Place: Olongapo City, Philippines   Age: 28   Business: Sari-Sari Store   Loan: 90 €   A Sari-Sari store is not a unique store with an alienated name. It is the common shop at the corner in the Philippines. Sari-Sari stores are an important organ in local communities throughout [...]

20. August 2020|

Philippines: Mobile Payments

A big part of South East Asia's population already lived in poverty prior the ongoing pandemic. The lockdowns worsened the situation... But some of our microloan participants could sustain their small businesses and adjusted their offers to the unnatural situation. Most of our microloans, if not all, were paid out [...]

13. August 2020|

Update: Lorenas Piggery

Lorena was given a loan last October 4, 2019; her plan was to start a piggery business with only one gilt (female pig). She used the money that she received from us through breeding it and providing feeds. After 6 months of taking care of her pig she was able [...]

23. July 2020|

Masks by Farmi

COVID-19 poses enormous challenges for the population of Indonesia. To counteract these, the people in Southeast Asia are working together to find solutions for the current situation. One of them is the small entrepreneur Farmi. Farmi, a microcredit recipient, has been sewing face masks for needy people from the surrounding [...]

17. June 2020|

Karya

Place: Pancor, East-Lombok, Indonesia   Age: 32   Business: Electronics Repair Service    Loan: 60 €   Karya Sukma lives together with his wife Gita Asmarani and their two children in Pancor, located in the East of Lombok/Indonesia. Their son is the first child aged 5 while their daughter is the second child [...]

6. June 2020|
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