Vasfiye is a divorcee with 3 kids, the eldest of whom is 21 and the youngest is 17. She started her career as a waxer and later took a course in hair dressing. She continued her education in hair dressing for three years, eventually earning her certificate. When she was sure that she had learned the job completely, she purchased the necessary equipment and opened up her hair salon.
She has been Maya client for 4 years and has been purchasing equipment with the loans she has received from Maya. With this first loan through Kiva, she intends to change the seats in her salon that seem to have worn out. With what is left from her loan she is going to buy some hair coloring and other hair products to prepare for the summer season. After renewing her shop and making it more appealing to her customers she will be set.
She has hopes and plans for the future and remarks that she will feel safer once she has retired with a retirement fund, yet she will continue to work. She wants her children to be able to finish their studies and get jobs for themselves. Vasfiye is a determined lady who strives for and holds on to the idea of a better life.
Translated from Turkish by Maya Staff and volunteers
Vasfiye,3 çocuğu olan boşanmış bir kadın. En küçüğü 17,en büyüğü 21 yaşında. Vasfiye iş hayatına ağdacılık yaparak başladı. Sonra kuaförlük kursuna başladı. Çıraklık eğitimine katılarak 3 yıl devam etti ve sertifikalarını aldı. İşini iyi öğrendiğinden emin olunca kuaför malzemelerini alarak,kuaför salonu açtı. Maya ile 4 yıldır çalışıyor. Maya’dan aldığı kredilerle malzemeler aldı. Maya’dan aldığı son kredi ile ,dükkanındaki koltuklar çok yıpranmış,onları değiştirecek. Kalan kısmı ile boya ve bakım malzemeleri alacak. Yaz sezonuna hazırlık yapacak. Dükkanı yeniledikten sonra,müşterinin göz zevkine hitap etmiş olacak,boya ve bakım malzemeleri elinde hazır olacak. Gelecekle ilgili planları ve ümitleri var. Emekli olunca kendini daha güvende hissedeceğini söylüyor,işine de devam edecek. Çocuklarının okullarını bitirmesini ve iş güç sahibi olmalarını istiyor. Vasfiye,tek başına mücadele edip,sıkı sıkı hayata tutunan bir kadın.
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.