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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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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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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 […]

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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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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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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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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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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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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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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 […]

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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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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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Sutri

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 […]

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Sri

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 […]

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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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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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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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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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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 […]

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 […]

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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 […]