Albina aged 35 years old who is married to Yoseph, 39. They have 5 children, 4 are attending school except a 6 months year old baby. Albina and Yoseph had congenital disability but the condition does not discourage them otherwise push them to keep surviving and working hard.
Albina and Yoseph are seamstresses. Yoseph runs the business located in the traditional market while Albina runs the business at home-based. 6 years ago, Albina learnt this skill from her husband in order to help him generating more income. Besides doing her job, Albina often received overwhelmed order from her husband. Within a month, she is able to produce income of IDR 1,000,000 by completing woman clothes i.e. blouse, skirt, school uniform etc. Although Albina is satisfied with this income but she still dreams on having a hemming machine which can help her finished her job faster than before.
Albina approached TLM and asked for a small group loan amounting to IDR 1,000,000. The loan assistance really helps her to buy a new hemming machine. Albina is very happy as she could complete more order and gets more income in a short time. Currently Albina can raise her income of averaging IDR 1,500,000-2,000,000.
ALOSIA PIGA ROHI
Alosia Piga Rohi is a 63 year old lady. People around her usually call her with “Ma Migu”. She is married to Lazarus Ndjaramana, a 69 year old farmer. From their marriage, they are blessed with 2 children: Renold, 30 years old and Hana, 24 years old. Renold and Hana only graduated from Senior high School. Renold is working as a building labor, while Hana assists her Ma Migu in running the business at the market.
Ma Migu runs a coconut rasping business at Waingapu Inpres Market. The business has been there for 20 years, even before the market was established. The coconut rasping business has become the main source of income for Ma Migu’s family in meeting their every day needs. As a farmer, her husband can only generate income when harvest which usually happens two or three times within a year. The income generated from farming is not much as they only have a small farmland. In dry season, Lazarus utilizes the farmland to plant cassava, yam and green beans. When harvest time, Lazarus sells his crops at his wife’s stall.
Ma Migu’s house is located in Kambaniru village, about 5 kilometers from her business place. At 5 am, she walks from her house to the market to start her business. It takes about 30 minutes walk to reach the market. Ma Migu operates her business from 5.30 am to 3 pm. The income generated from coconut rasping business is about IDR 75,000 a day. Ma Migu admitted that the business income cannot fully cover the family needs.
This has been the reason why Ma Migu only able to send her children up to senior high school level. She realized that education is important for her children’s future; however, the she and her husband cannot afford to send her children to university level. Nevertheless Ma Migu is optimistic and she hopes that if her children are working hard like her and Lazarus then they will be able to get the chance.
Entering her old age, Ma Migu is thinking that it’s not enough if she just hand over the coconut rasping business to their children, especially Hana who has not had a permanent job. Ma Migu wants to improve her business so it would enable Hana to learn many things and she would be able to run her own business with more assets one day. Ma Migu intends to initiate a kiosk business where she can sell daily basic needs but she always gets stuck on the business capital.
In February 2012, Ma Migu received a loan of IDR 750,000. She spent the loan on various vegetables, betel vine, household items i.e. soap, shampoo, cigarettes etc to sell. With the improvement in her business, Ma Migu is now able to have a little improvement in her income. She is now able to generate about IDR 100,000 per day. Ma Migu hopes that the business improvement through the loan would be the beginning for Ma Migu and her daughter Hana to grow and have a better life.
Suwono is a 36-year-old man who is married to Asiyah, a 36-year-old lady. They are blessed with three children namely: Muhammad, 6, attending first grade of Elementary School; Firas, 4, and Nirmala, 1. Suwono sells cakes such donuts, fried tofu, fried bananas, bread, etc. and instant cold beverages such as milk, juice, orange juice and “es cendol” (a kind of traditional beverage made of ice, melted palm sugar, doughy rice flour droplets and coconut milk).
He has been involved in this business since 1995. He operates the business in front of his house from 6 am to 10 pm. Most of his customers are senior high school and vocational school students as his residence is located near the schools.
Suwono would like to add more cakes such as muffins and soybean cakes and also other beverages. Therefore, Suwono is seeking a loan of IDR 3,000,000 from TLM to implement his plan. He is expecting that TLM will be willing to provide him with the loan to improve his business.