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I Have a Job Thanks to Microcredit 13.10.2020
As Man Fold Newspaper, we continue to share with you the life stories of our women who have written a great success story, especially with the loans they receive from Kahramanmaraş Microfinance Branch. This time, we bring you the success story of the micro entrepreneur Ayşen Kümbet from Türkoğlu. Ayşen Kümbet, who was born in 1977 in Mersin Silifke District, got married and came to Kahramanmaraş in 1999. He settled in Türkoğlu, where his wife's family lived, in 2013, when his wife went bankrupt while working at the hairdresser shop where he was a partner with his friend. Here, mother of two children who wanted to open the workplace to maintain the professional hairdressing Cupola, with the support of her husband's bankruptcy due to the banks' credit tuberculosis experimental stages due to the not recommend getting support from microcredit of thinking friends can not perform this dream from Turkey Grameen Microfinance Program, in 2013, re-opened a hairdressing shop. Kümbet, which has kept its workplace up for 7 years with microcredit, said, "I am eating bread thanks to microcredit."



'THE BANKS WERE NOT USING CREDITS TO US'

 Ayşen Kümbet, an example for women who want to produce, said, “I met microcredit in 2010, we shared with a friend of mine with the support they gave in 2010, and we used this money for materials at the workplace. Then I started my profession because we resided in Kahramanmaraş with their support until 2013. Later, due to the bankruptcy of my wife, no banks made us use loans, we had nothing. We came back to Türkoğlu, where my family's wife was located. We came here and said what can we do. I have no other job to do as my hairdresser. My friend, who is interested in microcredit support, said that if you cannot get credit from banks, let's continue with the loan in this way. We again opened a hairdresser shop in April 23 Park in 2013 with support from microcredit. And since then I still use microcredit loans. I get support for my workplace, I can now pay the rent of my workplace, I can buy the materials, I pay my small debts, I have 2 children to study ”.

"PEOPLE LIKE WE ARE AN EXAMPLE"

 Kümbet, if there were no microcredit, what would women like us, whose records were broken in the bank and could not get credit from anywhere, would do. In addition, it is a great priority, a great support for our ladies who stay at home. Everyone contributes in some way, with some embroidery, some with chicken, some with eggs. At least people like us set an example for our women who try to produce. We are standing with microcredit, I am saying this seriously because I am eating bread thanks to microcredit ”.

'I NEED TO RAISE SOME PEOPLE AWARE'

 Stating that it is necessary to raise people's awareness about microcredit support, Ayşen Kümbet said, “Many of my friends are really breathing with the support of microcredit. It is necessary to raise awareness of some people, there were many people who did not know, thanks to us, they were knitted too. You know, we calculated that we were a steep thousand or we lived the same. We started microcredit with 600 liras and now my limit is approaching 7-8 thousand liras. I also received entrepreneurship support as a tradesman. Duygu and Özlem Hanım, who are interested in microcredit support, have a really big role and share. We now see them as our family and we are proud of their service. They come to us for us, they offer us a service. It is also very nice that they have served you without hurt or hurt about payment. Do you want something, is there anything we can help with? They say. They also provide us with information on many issues, they guide us. Let's think like our mentors. And as women, they connect us together. "We meet people from the neighborhoods we don't know."

"I THINK THERE WILL BE BEAUTIFUL PROGRAMS"

Finally, Ayşen Kümbet said: “If a place was reserved for us, such as the public market, where women can exhibit their products, everyone will contribute more to each other. The economy of microcredit will rise a little further. There is some trouble due to the pandemic, but I hope that when it passes, there will be good programs and good activities. I recommend it to all our ladies, you earn in every respect, it provides financial support, then gives you the opportunity to meet hundreds of people, and gives you the opportunity to grow your business. I am sure that they will provide better opportunities because good work is being done. There is nothing as good as microcredit, let's work and win. "

WHAT IS MICROCREDIT?

Microcredit is a small capital that allows low-income women to engage in income-generating activities on their own, without asking for collateral and surety.

HOW TO TAKE MONEY IN THE MICROFINANCE PROGRAM?

In order to obtain unsecured and unsecured loan, loans are given to each member of the group, which is formed as a result of the gathering of five women who are not first-degree relatives, who live in similar economic and social conditions and have a business idea.

WHAT IS THE AMOUNT OF MICRO CREDIT?

 The loan amount envisaged for the first year is between 100 TL and a thousand TL. However, taking into account the entrepreneurial spirit and potential of the borrower, Microcredit can be increased up to a thousand lira every year.

HOW IS MONEY GIVEN BACK TO THE MICROFINANCE PROGRAM?

Turkey received loans from the Grameen Microfinance Program, it must be made within weeks of being considered to be used for income generating activities. One week after the money has been used in this way, the loan is repaid weekly and in 46 weeks with the service cost. In order to collect the installments, the Microfinance employee comes to the designated neighborhood or village and makes the collection.