Harqatun Nizwa
Semarang, Indonesia
100% repaid
Name
Harqatun Nizwa
Member since
August 2017
On-time repayments
147 installments • 10%
I am a social worker at a local NGO (non goverment organisation) in Indonesia. I currently work with minority groups such as women with disability including women victims of violence in rural areas. For 5 (five) years my focus of work and service is in the field of rural economic development. For this year (2017) my current work is related to rural economic development and income generation for women with disabilities, women victim of violence and young mother
Agribusiness is an activity related to the agricultural sector in a broad sense such as domestic resources such as agriculture, plantation, forestry, animal husbandry and fisheries. One area of agribusiness that has good development prospects in rural areas / mountains is the cultivation of organic papaya business. Because market demand is still large, investment payback time is fast, the price is relatively stable, and harvest continuously throughout the year. The market opportunity is still wide open, because supply in the market today is still lacking. Lack of access to credit for women in rural areas can be a serious obstacle to the creation of local businesses in many rural areas of Indonesia. Microfinance of SMEs and support for social entrepreneurship is a proven and proven tool that can contribute to high levels of quality and employment, reducing disparities and poverty; and thus contribute to the realization of priorities. This is my project, specifically to help a mother who lives in rural village of Gudeg a remote area of province in Central Java Indonesia. Ibu Sartini lives in the Merbabu mountains. Ibu Sartini has a small business /small business of organic papaya seedling in a garden of 1/2 hectare which is a land grant from local government. This local papaya breeding, managed by 2 (two) children who have experienced in papaya seed cultivation since 2000. Local papaya seedlings are only using organic fertilizer and only sold through traditional markets. Currently, Mrs. Sartini needs loan capital to strengthen the supply sector of organic fertilizer. Through Zidisha, on behalf of Mrs. Sartini, I submission for a loan to strengthen the capital of organic papaya business. Limited Internet access for poor women in rural areas, thus not allowing rural poor women to access Zidisha, therefore through that, I am on behalf of and fully responsible for this loan.
Currently, Mrs. Mainah has difficulty fulfilling her basic needs because her disability impedes her progress especially in the domestic economy. When he is looking for a job, his application is rejected because of his disability, even though he is not facing discrimination but has to face the reality of a harsh society mentality. Fortunately he, in his journey became economically independent because he has skil in the field of gathering twigs of wood to be sold to traditional markets. Wood timber that Ms. Mainah sells is used for the burning of bricks in a traditional company in her village. Mother"s income Maine per week is 125 thousand rupiah. With the submission of assistance through Zidisha Ibu Mainah will be more independent in deciding the wheels of the household economy, having previously entangled large debts through local moneylenders
Show original Bahasa Indonesia
I am a social worker at a local NGO (non goverment organisation) in Indonesia. I currently work with minority groups such as women with disability including women victims of violence in rural areas. For 5 (five) years my focus of work and service is in the field of rural economic development. For this year (2017) my current work is related to rural economic development and income generation for women with disabilities, women victim of violence and young mother
Agribusiness is an activity related to the agricultural sector in a broad sense such as domestic resources such as agriculture, plantation, forestry, animal husbandry and fisheries. One area of agribusiness that has good development prospects in rural areas / mountains is the cultivation of organic papaya business. Because market demand is still large, investment payback time is fast, the price is relatively stable, and harvest continuously throughout the year. The market opportunity is still wide open, because supply in the market today is still lacking. Lack of access to credit for women in rural areas can be a serious obstacle to the creation of local businesses in many rural areas of Indonesia. Microfinance of SMEs and support for social entrepreneurship is a proven and proven tool that can contribute to high levels of quality and employment, reducing disparities and poverty; and thus contribute to the realization of priorities. This is my project, specifically to help a mother who lives in rural village of Gudeg a remote area of province in Central Java Indonesia. Ibu Sartini lives in the Merbabu mountains. Ibu Sartini has a small business /small business of organic papaya seedling in a garden of 1/2 hectare which is a land grant from local government. This local papaya breeding, managed by 2 (two) children who have experienced in papaya seed cultivation since 2000. Local papaya seedlings are only using organic fertilizer and only sold through traditional markets. Currently, Mrs. Sartini needs loan capital to strengthen the supply sector of organic fertilizer. Through Zidisha, on behalf of Mrs. Sartini, I submission for a loan to strengthen the capital of organic papaya business. Limited Internet access for poor women in rural areas, thus not allowing rural poor women to access Zidisha, therefore through that, I am on behalf of and fully responsible for this loan.
Saat ini, Ibu Mainah mengalami kesulitan dalam memenuhi kebutuhan dasarnya karena kecacatannya menghambat kemajuannya khususnya dalam ekonomi domestik. Saat dia mencari pekerjaan, permohonannya selalui ditolak karena kecacatannya, meskipuan dia tidak mengalamai/menghadapi diskriminasi tapi harus menghadapi kenyataan mentalitas masyarakat yang keras. Untungnya dia, dalam perjalanannya menjadi mandiri secara ekonomi karena mempunyai skil dalam bidang pengumpulan ranting ranting kayu untuk dijual ke pasar tradisional. Kayu kayu yang di jual Ibu Mainah di gunakan untuk pembakaran batu bata di perusahaan tradisional di desanya. Pendapatan Ibu Mainah per minggu adalah sebesar 125 ribu rupiah. Dengan pengajuan bantuan melalui Zidisha Ibu Mainah akan semakin mandiri dalam memutuskan roda perekonomian rumah tangganya, setelah sebelumnya terjerat hutang yang besar melalui rentenir lokal
Positive
None
Neutral
None
Negative
None
Project Type
Classic Loan
Disbursed amount
$18.00
Date disbursed
Sep 16, 2017
Repayment status
On Time
Projected term
2 weeks
Other loans
Ask Harqatun Nizwa a question about this project, share news and photos of your own, or send a simple note of thanks or inspiration.