Ayşe is 46 years old and a widow. She lives in Adapazarı in her own house. She has three children. The eldest one is 26 and the youngest one is 18. She has a shop and has been dealing with sundries for one and a half years. Her clients are people in her village. At first, when she opened her shop, it was a very small one. Later on, she augmented her shop. Also, she has increased the number and the variety of her products.
She wants to restore her shop in the following ways: she needs a whitewash, renovation of her floor, a new counter, and a dressing room for women (one of the most necessary things she lacks). The restoration of the shop would give the shop a new and more attractive appearance that would appeal to more clients. As a result, sales would increase. Her plan for the future is to open larger shops in her own town as well as other towns. She wants to marry off her son and see that her daughter finishes her education. Her biggest dream is to write a book one day. Lastly, Ayşe is always able to live by her own means without any support. In addition, she is an idealist, and is an ambitious and innovative person.
Translated from Turkish by Maya Staff
Ayşe 46 yaşında ve eşi vefat etmiş.Adapazarı'nda kendi evinde yaşıyor. Ayşe Hanım'ın üç çocuğu var, en büyüğü 26 ve en küçüğü 18 yaşındalar. Ayşe Hanım'ın kendine ait bir dükkanı var ve yaklaşık bir buçuk yıldır tuhafiye ile uğraşıyor. Müşterileri ise genelde yaşadığı köydeki insanlar. Ayşe Hanım dükkanını ilk açtığında küçük olmasına rağmen ilerleyen zamanlarda dükkanını genişletmiş, sattığı ürün miktarını ve çeşitliliğini arttırmış.
Ayşe Hanım dükkanına boya badana yaptırmak, zeminini yeniletmek, yeni bir tezgah almak ve en önemli eksiği olan bir bayan giyinme kabini almak istiyor. Gelecek planları ise başka şehirlerde de yeni dükkanlar açabilmek ve birgün kitap yazabilmek. Son olarak, Ayşe Hanım her zaman kendi ayakları üzerinde durabilen, idealist ve hırslı bir kişilik olmuştur.
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.