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Serap is the mother of two children; both the children are studying.

Serap used to sell clothes. After her husband's business failed, their income was not enough to support them. She started to work for a cleaning company at minimum wage. Their income is insufficient. The cleaning company has made her take a leave for three months, and the family faces financial problems during this period. She has to work other jobs to support her family. She will buy scarves and shawls with the loan she will receive and sell them, so that she can earn money. She aims to have a higher quality of life by earning more income.

Translated from Turkish by Maya Staff

Serap Hanım, 2 çocuk annesi ve ticaret yapıyor. Daha önceleri çeşitli kazak,çamaşır vs satışı yapmaktaydı. Ancak,eşinin işleri bozulunca gelir yetersiz kaldı. Temizlik şirketinde çalışmaya başladı. Askari ücret alıyor ve 2 çocuğunu okuyor. Gelir yetersiz geliyor. Temizlik şirketide 3 ay izine çıkarıyor,çalışmayınca parasal olarak sıkıntıya düşüyor. Bütün bunlar başka işler yapmasını gerektiriyor. Ancak,sermaye sıkıntısı nedeniyle,iş yapamıyor. Bu krediyle,eşarp ve yemeni alıp satacak. Gelir elde edecek. Daha çok para kazanıp,yaşam kalitesini arttırmak 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 $400 helped Serap to buy scarves and shawls.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
May 6, 2014
May 28, 2014
Currency Exchange Loss:
Nov 17, 2014