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Emine
When Emine’s husband retired, the family began to have financial problems. She needed money for the education of their three children. She looked for a solution to increase their income and provide for her children’s education. Because her husband wouldn’t give her permission to work, she considered jobs she could do from home. She decided to make and sell manti, traditional Turkish ravioli, with a friend.

They began making manti at home with the friend’s sister as well. When they first started they sold to their friends and neighbors. After a disagreement, Emine decided to separate from her partners and start her own shop. This time she began working on her own. She spent weeks making contacts at large markets to sell her products. When she had problems with capital in 2004, she learned about Maya and took out a loan. She has begun working with her son and his wife to develop the business, which is expanding. She takes out a loan each year and has bought a machine to cut dough, an oven and other appliances to increase productivity.

Emine now provides jobs for 15 housewives. All three of her children have completed university.This year she will use the loan from Maya to buy flour and onions. “In expanding, working with help from Maya has been a great pleasure for me,” she says. She wants to expand her business even more and open a big manti store and run it like a restaurant. She has also begun working to patent her manti.

Translated from Turkish by Maya Staff

Emine Hanım eşi emekli olunca ekonomik sıkıntı içene giriyor.Üç tane Çocuğunu o zamanlar okutmak için paraya ihtiyacı var.Gelirini arttırmak çocuklarını okutmak için çareler arar.Eşi çalışmasına izin vermediğinden ,evinde yapabileceği işleri düşünür.Ve bir arkadaşı ile mantı yapıp satmaya karar verirler.Arkadaşının ablasını da yanlarına alarak evde mantı yapmaya başlarlar.İlk başlangıç da komşulara çevrelerine satarlar.Emine hanım ortakları ile anlaşamayınca onlardan ayrılır ve kendine bir dükkan tutar.Bu sefer tek başına mücadele etmeye başlar.Büyük marketlere gider orada haftalarca tanıtımlara yaparak satış yapmaya başlar.2004 yılında nakite sıkışınca Maya ile tanışır ve kredi çeker.İşlerini ilerletir oğlu ve gelinini de yanına alarak çalışmaya devam eder.Giderek işleri büyür.Her sene kredi almaya devam eder, dükkanına hamur kesme makinası,fırın vs.alarak işlerini daha da büyütür.Emine hanım bugün on beş ev kadınına iş imkanı sağlamaktadır.Çocuklarının üçünü de okuttu üniversiteden mezun etti.Bu yılda bizden aldığı kredi ile un ve soğan alacak.”Ben büyürken elimden tutan Maya ille çalışmak benim için büyük bir zevk.”diyor.Ve elinden geldiğince işlerini büyütmek,büyük bir mantıcı dükkanı açmak burayı lokanta gibi işletmek istiyor.Annemin mantısına patent almak için çalışmalara başladı.

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, 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
  • 0
    View loans »
    Turkey Loans Fundraising
  • $210,100
    Funds lent in using Kiva
  • 2.1
    Turkey Lira (TRY) = $1 USD
Paying Back - Currency Exchange Loss

This loan has been fully funded!

A loan of $725 helped Emine to buy flour and onions.
83% repaid
Repayment Term
13 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Jul 7, 2014
Listed
Aug 10, 2014
Currency Exchange Loss:
Possible