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Özlem is married and has a son and a daughter. She opened a store in the local shopping district in order to stand on her own feet. She sells traditional women’s clothing and accessories.

Business is good in summer. Locals and foreign tourists buy her products. With the loan, she wants to buy products to increase her sales. Because she has a wide social circle, she doesn’t just stay at her shop but also sells to friends and relatives at their workplaces.

She began her career at 37. She wants to make her shop the flagship and open branches to expand her business. She feels she has proven herself in the short term over the last year. She wants to prepare a good future for her two children.

Translated from Turkish by Maya Staff
Özlem Hanım evli ve bir kız bir erkek çocuk annesi. Kendi ayakları üzerinde durmak için çarşıda bayan giyim üzerine küçük bir dükkan açıyor. Otantik bayan giysileri ve aksesuarları satıyor. Yazın işleri güzel gidiyor. Yerli ve yabancı turistlere satış yapıyor. Aldığı kredi ile dükkanına mal alarak satışlarını arttırmak istiyor. Çevresi geniş olduğu için sadece dükkanda kalmıyor, arkadaş ve akraba günlerine iş yerlerine giderek ürünlerini satıyor. 37 yaşından sonra çalışma hayatına başlamış. Dükkanını merkez yaparak ve şubeler açarak işlerini genişletmek istiyor. Kendisini bir yıl gibi kısa bir sürede ispatlamış. İki çocuğuna iyi bir gelecek hazırlamak 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
  • 3
    View loans »
    Turkey Loans Fundraising
  • $413,925
    Funds lent in using Kiva
  • 2.3
    Turkey Lira (TRY) = $1 USD

Success!! The loan was 100% repaid

A loan of $350 helped Özlem to buy products to increase her sales.
100% repaid
Repayment Term
7 months (Additional Information)
Repayment Schedule
Jan 6, 2014
Jan 25, 2014
Currency Exchange Loss:
Jul 17, 2014