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Emel is married with one child. When she retired and moved out of Istanbul, she did not know anyone there and was lonely. One day, when she was wandering along the shore, she saw people who were selling jewelry and decided to learn this trade. She got help from those people to learn how to make jewelry. She also learned from CD's and books.

She opened her stall five years ago on the shore. She made new friends through her work. She will buy a variety of beads, different types of stones and necessary materials with the loan. She believes that she may earn more income if she can make more varieties of jewelry and sell them. She wishes for health and peace in the future.

Translated from Turkish by Maya Staff

Emel Hanım,evli ve 1 çocuğu var. Emekli olup İstanbul’dan taşındığı yerde,hiç kimseyi tanımıyormuş ve boşlukta kalmış. Bir gün sahili gezerken, takı satan arkadaşları görmüş ve bu işi yapmaya karar vermiş. Takı yapmayı öğrenmek için arkadaslardan yardım almış. CD lerden ,kitaplardan takı yapımını öğrenmiş. Beş yıl önce Sahilde tezgah açarak bu işe başlamış. Çalışarak arkadaş çevresinin genişlediğini söylüyor. Aldığı kredi ile boncuk çeşitleri,değişik çeşit taşlar ve takı yapımında kullanılan malzemeler alacak. Ne kadar çok çeşidi olursa o kadar çok satış yapacağını ve gelirinin artacağını düşünüyor.
Gelecek de ,bundan sonra sağlık ve huzur istiyor.

Additional Information

More information about this loan

Maya works to extend access to finance in Turkey, a country which, as a whole, has very limited microfinance services. By supporting this loan, you are helping Maya continue their work and specifically reach female borrowers in Turkey, many of whom come from rural parts of the country. 

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
  • $282,575
    Funds lent in using Kiva
  • 2.1
    Turkey Lira (TRY) = $1 USD

Success!! The loan was 100% repaid

A loan of $600 helped Emel to buy beads and different types of stones to make jewelry.
100% repaid
Repayment Term
13 months (Additional Information)
Repayment Schedule
Dec 11, 2013
Jan 16, 2014
Currency Exchange Loss:
Aug 17, 2014