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Nermin is a married mother of three children. Her eldest child is 18 years old and her youngest is 7. For six years she has been selling her handmade baby clothes and accessories (blankets, cardigans, vests, etc.). She began by selling to her relatives and neighbors. When sales took off she began to expand her customer base.

With the loan she will buy wholesale supplies. She’s thinking of doing a series. She believes that if she has more ready-made supplies available she will be able to complete more orders. Economically contributing to her family and meeting her children’s needs gives her pleasure and spiritual fulfillment.

Translated from Turkish by Maya Staff
Nermin Hanım evli en büyüğü on sekiz en küçüğü yedi yaşında üç çocuk annesi. Altı senedir bebek malzemeleri (battaniye,hırka,yelek vs.)yapıp satıyor. İlk başladığında akrabalarına ve komşularına satış yapmış. Yaptığı işler tutulunda siperişleri artıyor ve dışarılarada yapıp satıyor. Aldığı kredi ile toplu malzeme alacak. Seri çalışmayı düşünüyor. Elinde fazladan yapılmış ürünler olursa siparişlere daha çok yetişeceğini düşünüyor. Ailesine ekonomik olarak katkı sağlamak,çocuklarının ihtiyaçlarını karşılamak hoşuna gidiyor ve ona manevi bir doyum sağlıyor.

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
  • 2
    View loans »
    Turkey Loans Fundraising
  • $475,050
    Funds lent in using Kiva
  • 2.1
    Turkey Lira (TRY) = $1 USD

Success!! The loan was 100% repaid

A loan of $400 helped Nermin to buy wholesale supplies.
100% repaid
Repayment Term
13 months (Additional Information)
Repayment Schedule
Jun 25, 2014
Jul 16, 2014
Currency Exchange Loss:
May 17, 2015