Lorena Dedicatoria 7

Lorena

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 […]

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Anafe

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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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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Sheila

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 […]

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Marian

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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Bakri

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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Makenun

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 […]

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Saemah

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. […]

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Salihin

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 […]

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Sriwulandari

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 […]

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Susanna

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 […]

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Mawati

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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Farida

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 […]

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Murniati

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 […]

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Mainim

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 […]

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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 […]

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Rina

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 […]

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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 […]

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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 […]

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Ekta

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, […]

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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 […]

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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 […]

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Wardani

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 […]

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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 […]

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Sutri

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 […]

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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 […]

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Carina

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 […]

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Oktavia

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 […]

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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: 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 […]

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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: 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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Reniati

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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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 €; 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 […]

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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 […]

Archive

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

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