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Tülay
Tülay is 36 years old and married with no children. She joined a Maya business development training meeting about a year and half ago. After the meeting she asked herself, "What can I do for myself?" She spent about 6 months researching and then applied to Maya for individual credit. With the credit she received, she rented a little shop where she sells bulk wholesale and retail cleaning supplies as well as some household brand name supplies, hygienic products and gift items. Most of her clients are housewives. She has been operating her shop for one year. She says the first 6 months were very hard and she didn’t make much money. She was new to the neighborhood and the neighborhood was slow to start doing business with her. They wanted to see what kind of person she is, if her business was solid or would she be gone in 6 months, and what kind of prices she had before they would do business with her.

Tülay did not ask her husband for support to start her business and, in turn, he wasn’t very supportive. He kept saying and thinking that she wasn’t going to succeed. She wanted to show him she could succeed and after 6 months her business started making money and she paid off her first loan early. Tülay says that to show him she could succeed from her own efforts was very satisfying. She wants to grow her business but did some additional research before taking out her second loan with Maya and her first on Kiva.

From the market research she has done, she will make agreements with two companies in order to buy bulk wholesale cleaning products from them. This is why she needs capital and how she will use her loan. She believes that by working with these two companies she can increase her profits. In the future, she wants to transition her business focus from retail sales to wholesale and expand the types of cleaning products she offers to customers. For example, instead of only selling household cleaning products to housewives, she would like to offer cleaning products for industrial workplaces, such as factories, restaurants, and car dealerships. Tülay is ambitious but plans her business in small steps after careful research.

Translated from Turkish by Maya Staff

Tülay 36 yaşında evli ve çocuğu yok.

Maya’nın eğitim toplantısına katıldı. Kendi adına ne yapabilirim dedi.Önce 6 ay araştırma yaptı ve bireysel kredi için Maya’ya başvurdu. Kredi ile küçük bir dükkan kiraladı ,burada toptan perakende satışı ve temizlik malzemeleri,çocuk bezleri,kadın pedleri ve hediyelik eşyalar satmaya başladı.Müşterilerinin çoğu ev hanımıydı. Dükkanını 1 yıldır işletiyor. İlk altı ayın çok zor olduğunu söylüyor ve bu sure zarfında hiç para kazanamamış. Başarabildiğini eşine göstermek istiyordu ve 6 ay sonra para kazanmaya başladı ve kredisini erken ödedi.

Çevrede dükkanı kimse tanınmıyordu ve çevredekiler zamanla tanıyıp,dükkana gelip gitmeye başladılar. Nasıl bir insan olduğunu öğrenmek istiyorlardı,İşi devam mı edecek yoksa, 6 ay daha böyle mi gidecek ve fiyatlar nasıldı.

Ama eşi hiç destek olmadığı için başaramayacağı gözü ile bakıyordu. Başarılı olacağını düşünmüyordu. Eşime de birşeyleri başarabildiğimi gösterdim,en güzel yanı buydu. İşinde büyümek istiyor ama ikinci krediden önce araştırma yaptı,ikinci kredi ilk defa kiva da.

Market araştırması yaptı ve iki firma ile anlaşma yaptı ve buradan temizlik malzemesi alıcak. Bunun için sermayeye ihtiyacı var ve krediyi nasıl kullanacak. Yeni aldığı mallarla anlaştığı 2 firmaya satış yaparak daha fazla kara geçicek. Gelecek için perakende satıştan toptan satışa geçecek. Mesela,ev hanımlarına tek tek temizlik malzemesi satacağına,endüstriyel yerlere,fabrikalara,galerilere satıcak. Tülay Hanım,çok hırslı fakat işinde adım adım ilerlemek istiyor.

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, 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

  • $9,500
    Average annual income
  • 3
    View loans »
    Turkey Loans Fundraising
  • $210,100
    Funds lent in using Kiva
  • 1.8
    Turkey Lira (TRY) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,675 helped Tülay to buy bulk wholesale cleaning products.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Nov 2, 2011
Listed
Nov 20, 2011
Currency Exchange Loss:
Possible
Ended:
Aug 17, 2014