Melek has been doing her work for eight years. Since she started, she has increased her customer base and expanded her sales.
Melek finished primary school, married at age 17 and had her first of three children at age 18. Her oldest child is 10 and the youngest is 4. After she finished primary school, while she sat at home taking care of her children, she thought she had the capacity to work from home. She asked her sister to teach her how to customize towels, tablecloths, runners, etc. At first, she made them for herself. Those around her liked her designs and started to give her orders. She also receives orders from Turks in Germany for customized presents.
This is her second loan form Maya. She will use this loan to buy her materials in bulk for a better price and bring some different designs to the market as well as expand her products so she can sell them from other shops.
Through her work, she wants to improve her family’s income and to enable her children to have a better future.
In the future, Melek wants to open her own workshop, bringing other women like herself together in order to earn money.
She is self-confident, decisive and determined.
Note: Translated from Turkish by Maya staff.
Melek Hanım,bu işi sekiz yıldır yapıyor. Bu işe başladığından bu yana müşteri potansiyelini ve satışlarını arttırdı.
Melek ilkokulu bitirdi,17 yaşında evlendi ve 18 yaşında ilk çocuğunu dünyaya getirdi. En büyüğü 10 ve en küçüğü 4 yaşında. İlkokuldan mezun olduktan sonra,evde çocuklarına bakarken,kendinde yetenek olduğunu düşündü ve ablasına çeyiz işlerini öğretmesini söyledi. İlk once kendisi için yaptı. Etrafındakiler yaptığı işleri beğendi and sipariş almaya başladı. Üstelik siparişlerini Almanya’daki Türkler’den alıyor.
Bu Maya’dan aldığı ikinci kredi. Bu kredi ile daha iyi fiyattan malzeme alıcak,pazarlardan farklı tasarımlar getirtecek ve diğer esnaflara ürünlerini satmayı planlıyor.
İşi ile ailesinin gelirini arttırmayı düşünüyor ve çocukları için daha iyi bir gelecek istiyor.
Gelecekte kendi işini açıp diğer kadınlara da iş sağlayıp para kazanmalarını istiyor.
Melek Hanım,kendine güvenen,azimli ve kararlı.
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.