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Ümmü is married and has one 15-year-old child.

Before she began to sell jewelry, she was a housewife. But when her sister went to Mardin, they decided to sell the jewelry of Mardin in Istanbul. So her sister began to send jewelry to Istanbul and helped Ümmü to buy a shop.

Now, Ümmü is selling the jewelry coming from Mardin in her shop.

Ümmü wants to use her loan from Maya to sell more products. She thinks that if she buys different kinds of jewelry with the loan, she will be able to appeal to more customers.

In the future, she wants to be known around Eskişehir for her jewelry from Mardin.

Finally, Ümmü is a very ambitious and resolute woman, and her son is the most valuable person in her life.

Translated from Turkish by Maya Staff

Ümmü Hanım, evli ve 15 yaşında bir çocuğu var. Bu işe başlaman önce ev hanımıydı.Fakat ablasının Mardin'e tahininin çıkması ile ,Mardin takılarını İstanbul'da satmaya karar verdi. Bu yüzden ablası takıları İstanbul'a göndermeye başladı ve ona dükkan tutuldu. Şimdi Ümmü Mardin'den gelen takıları dükkanında satıyor. Ümmü Maya'dan aldığı bu kredi ile daha fazla ürün satmak istiyor. Maya'dan almış olduğum kredi ile farklı takılar alırsam, satışımın artacağına inanıyorum. Gelecek için planları ise,Eskişehirde Mardin yöresel takılarıyla tanınmak. Ümmü Hanım,istikrarlı ve hırslı bir kadın,oğlu onun için bu hayattaki en kıymetli şey.

Additional Information

About Maya

Although Turkey is one of the largest economies in the region, it has not reached its potential for microfinance investment. Deficient legal structures for microfinance credit initiatives and lack of quality information about microfinance demand and structure in Turkey are the largest obstacles to improvements in the field. Under these challenging conditions, Maya provides group and individual loans to low-income women who lack access to the financial services they need in order to start or improve their own small-scale businesses. Maya borrowers are part of lending groups, but are posted to Kiva as individuals. Therefore, lenders are exposed to additional risk of default in the event that a member of this borrower's group defaults on her loan. Maya, established in 2002, was Turkey’s first microcredit program. Maya is Kiva’s first Field Partner in Turkey and posted its first loans in August 2011. Headquartered in Istanbul, Maya has four branch offices. For more information, visit Maya’s partner page.

About Turkey

  • $19,600
    Average annual income
  • 0
    View loans »
    Turkey Loans Fundraising
  • $287,125
    Funds lent in using Kiva
  • 1.8
    Turkey Lira (TRY) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,100 helped Ümmügülsüm to buy different kinds of jewelry.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Aug 24, 2011
Sep 26, 2011
Currency Exchange Loss:
Oct 25, 2012