Our Local Motivators
FBA enlists the support of 20 Local Motivators (LMs) on a part-time basis, with each LM responsible for a specific geographic area. LMs are business people, community or religious leaders who understand local values, culture and economic practices – and most importantly, they live amongst and know the clients FBA supports.
The role of the LM is to identify individual businesses or groups in their respective areas who are eligible for the Micro finance program. LMs help small businesses complete the micro finance application process by providing information and assisting in the submission of required paperwork.
LMs receive financial management and bookkeeping training and share these skills and knowledge with the micro finance applicants/recipients in their area. LMs also provide guidance and encouragement for entrepreneurs to maintain financial records for their new or improved businesses. LMs meet with clients on a regular basis to monitor their progress, identify any problems, and work together on solutions. They also perform the task of collecting loan repayments from microloan recipients in their area and return those repayments to FBA head office.
The engagement of Local Motivators has resulted in the receipts of micro finance loans being less burdensome on clients. Microloan recipients are not required to travel to Banda Aceh or even a bank branch to make loan repayments (or even when applying for the micro finance program) as this can all be facilitated through the LM in their area. Due to the support given by LMs during the application process, throughout the life of the loan, and when applying for secondary loans – the whole process has become less stressful and difficult for the micro entrepreneurs.
Our LMs represent real community participation in all our micro finance activities. As a result, program planning accurately responds to the needs of the community, program implementation is prompt with less scope for implementation failure, and the community has the opportunity to monitor the program themselves. Thus involving LMs in the program amounts to higher program relevance, effectiveness, efficiency, impact and sustainability.
We believe that due to the engagement of Local Motivators, as well as the trusted and respected status of LMs in their communities, FBA’s Micro finance program has achieved a high rate of loan pay back. We can also attribute the wide coverage of our program to the presence of LMs in those areas, a feat surely not possible without the presence of our Local Motivators.
The role of the LM is to identify individual businesses or groups in their respective areas who are eligible for the Micro finance program. LMs help small businesses complete the micro finance application process by providing information and assisting in the submission of required paperwork.
LMs receive financial management and bookkeeping training and share these skills and knowledge with the micro finance applicants/recipients in their area. LMs also provide guidance and encouragement for entrepreneurs to maintain financial records for their new or improved businesses. LMs meet with clients on a regular basis to monitor their progress, identify any problems, and work together on solutions. They also perform the task of collecting loan repayments from microloan recipients in their area and return those repayments to FBA head office.
The engagement of Local Motivators has resulted in the receipts of micro finance loans being less burdensome on clients. Microloan recipients are not required to travel to Banda Aceh or even a bank branch to make loan repayments (or even when applying for the micro finance program) as this can all be facilitated through the LM in their area. Due to the support given by LMs during the application process, throughout the life of the loan, and when applying for secondary loans – the whole process has become less stressful and difficult for the micro entrepreneurs.
Our LMs represent real community participation in all our micro finance activities. As a result, program planning accurately responds to the needs of the community, program implementation is prompt with less scope for implementation failure, and the community has the opportunity to monitor the program themselves. Thus involving LMs in the program amounts to higher program relevance, effectiveness, efficiency, impact and sustainability.
We believe that due to the engagement of Local Motivators, as well as the trusted and respected status of LMs in their communities, FBA’s Micro finance program has achieved a high rate of loan pay back. We can also attribute the wide coverage of our program to the presence of LMs in those areas, a feat surely not possible without the presence of our Local Motivators.
Eva Gustia, ABDYA
Eva has joined the FBA Local Motivators Team in August 2010. Despite her young age, Eva has plenty of experience in entrepreneurial capacity building, as she worked on business incubator programs before joining FBA. Eva made the switch as she was attracted by FBA’s formula of providing micro finance coupled with continuous training, mentoring and supervision.
Eva had not often seen in her past activities members sitting together and being involved in decision making process from the outset. For Eva this is the key to the success of livelihood programs. The KSMs Eva mentors at the moment produce tofu and tempeh for the local market, but in the near future, and after completing her induction period, she will be entrusted with all of the groups in her area.
Eva has joined the FBA Local Motivators Team in August 2010. Despite her young age, Eva has plenty of experience in entrepreneurial capacity building, as she worked on business incubator programs before joining FBA. Eva made the switch as she was attracted by FBA’s formula of providing micro finance coupled with continuous training, mentoring and supervision.
Eva had not often seen in her past activities members sitting together and being involved in decision making process from the outset. For Eva this is the key to the success of livelihood programs. The KSMs Eva mentors at the moment produce tofu and tempeh for the local market, but in the near future, and after completing her induction period, she will be entrusted with all of the groups in her area.
Fajri, ABDYA
Fajri has joined the FBA team in July 2011 with the conviction that direct involvement in the community is vital to facilitate development and self-sufficiency.
A student in education, Fajri is confident in his abilities to work with people’s abilities to be agents of change. Being aware of the difficulties that marginalised and extremely poor people encounter to access capital to establish livelihood activities, he believes that community driven micro finance, skill training and continuous monitoring are the key to solving many of the issues of hardship his community faces every day.
Currently working with six KSM groups producing snacks, peanuts and balsam, Fajri will continue his studies to fulfil his ambition of becoming a senior high school teacher.
Fajri has joined the FBA team in July 2011 with the conviction that direct involvement in the community is vital to facilitate development and self-sufficiency.
A student in education, Fajri is confident in his abilities to work with people’s abilities to be agents of change. Being aware of the difficulties that marginalised and extremely poor people encounter to access capital to establish livelihood activities, he believes that community driven micro finance, skill training and continuous monitoring are the key to solving many of the issues of hardship his community faces every day.
Currently working with six KSM groups producing snacks, peanuts and balsam, Fajri will continue his studies to fulfil his ambition of becoming a senior high school teacher.
Teungku Maksum, Aceh Besar
Tgk Maksum, a well respected religious leader, has become the contact for his community for all advice on small business matters since joining FBA in 2006. Tgk Maksum enjoys working for an organization that works for the community not themselves and he proved this early in his time with FBA when a tearful man from his community approached him for advice on recommencing a business. The man had no capital or income and was unable to feed his family. Tgk Maksum worked with this gentleman on a proposal and the loan was approved creating a very proud moment when he was able to help this desperate man.
The best part of his role with FBA is the close connection he has cultivated with the community.
Tgk Maksum, a well respected religious leader, has become the contact for his community for all advice on small business matters since joining FBA in 2006. Tgk Maksum enjoys working for an organization that works for the community not themselves and he proved this early in his time with FBA when a tearful man from his community approached him for advice on recommencing a business. The man had no capital or income and was unable to feed his family. Tgk Maksum worked with this gentleman on a proposal and the loan was approved creating a very proud moment when he was able to help this desperate man.
The best part of his role with FBA is the close connection he has cultivated with the community.
Mikraj, Aceh Besar
Mikraj is married, three children and a very experience community worker, having served with Dinas Sosial providing care for Acehnese orphans for a time which Mikjraj recalls as rewarding and professionally fulfilling.
Mikraj joined FBA in 2009, following the advice of FBA Micro finance manager Razi; herself from an economics background, Mikraj embraced the concept of social enterprise with ease while still teaching accountancy on a part-time basis at STIEI.
Mikraj works with six KSM comprising more than 200 members; among their activities there are a range of individual and collective enterprises, agricultural value adding processing and financial support.
Mikraj's passion is to work with her community and she will be happy to do so until she feels she can contribute to their development.
Mikraj is married, three children and a very experience community worker, having served with Dinas Sosial providing care for Acehnese orphans for a time which Mikjraj recalls as rewarding and professionally fulfilling.
Mikraj joined FBA in 2009, following the advice of FBA Micro finance manager Razi; herself from an economics background, Mikraj embraced the concept of social enterprise with ease while still teaching accountancy on a part-time basis at STIEI.
Mikraj works with six KSM comprising more than 200 members; among their activities there are a range of individual and collective enterprises, agricultural value adding processing and financial support.
Mikraj's passion is to work with her community and she will be happy to do so until she feels she can contribute to their development.
Amiruddin, Aceh Besar
Amiruddin is proud to work for FBA as it has allowed him to help the people of his community reestablish themselves after the tsunami. He has become a bridge between his community and NGOs, and the LM role has allowed this fisherman and cattle farmer the opportunity to keep connected with people, broaden his mind and view of the world and he has also made many new friends. Working in a poor agricultural community, Amiruddin hopes that the future will bring more support to his much needed communities and that he can support his people to run successful businesses creating a positive and long lasting impact for his people.
Amiruddin is proud to work for FBA as it has allowed him to help the people of his community reestablish themselves after the tsunami. He has become a bridge between his community and NGOs, and the LM role has allowed this fisherman and cattle farmer the opportunity to keep connected with people, broaden his mind and view of the world and he has also made many new friends. Working in a poor agricultural community, Amiruddin hopes that the future will bring more support to his much needed communities and that he can support his people to run successful businesses creating a positive and long lasting impact for his people.
Siti Ajar, Aceh Tamiang
Siti Ajar, or Nining to her friends, struts her smile and energy among the six KSM she works with in Aceh Tamiang. The more than 140 members of the KSM embraced her zest for life with delight and passion.
Nining is an economics University graduate, 26, aspiring woman leader, with panache for fashion. Among the activities she’s been mentoring there are catfish breeding, livestock, briquette and prawn cracker production, embroidery and saving & lending—all important endeavours towards achieving her ultimate goal of addressing the grave disparity of income in her community.
As a community worker and economist, Nining understands the need for savings, capital and investment. Too often, in her community, Nining sees the enrichment of people with capital, often at the expenses of the poor and marginalised. Her focus is not only on facilitating enterprising opportunity but also management skills, and sharing her skills in making her favourite cakes and other culinary delights.
Siti Ajar, or Nining to her friends, struts her smile and energy among the six KSM she works with in Aceh Tamiang. The more than 140 members of the KSM embraced her zest for life with delight and passion.
Nining is an economics University graduate, 26, aspiring woman leader, with panache for fashion. Among the activities she’s been mentoring there are catfish breeding, livestock, briquette and prawn cracker production, embroidery and saving & lending—all important endeavours towards achieving her ultimate goal of addressing the grave disparity of income in her community.
As a community worker and economist, Nining understands the need for savings, capital and investment. Too often, in her community, Nining sees the enrichment of people with capital, often at the expenses of the poor and marginalised. Her focus is not only on facilitating enterprising opportunity but also management skills, and sharing her skills in making her favourite cakes and other culinary delights.
Pristiwanto, Aceh Tamiang
Pristiwanto is a farmer and businessman with an innate desire to see people break the chain of dependence and develop their own potential. Pristiwanto faced many challenges when he first started working as a Local Motivator in 2010, most of them due to people expecting hand-outs, but not seeing the value of training and mentoring before and during the life of a small enterprise. He gladly reports big changes in the field, as he notices a greater capacity to apply positive thinking in what people do.
One remarkable change has been that of seeing small businesses starting to expand beyond the original expectations. Pristwanto is in for the long haul as a Local Motivator, as he is driven to see FBA operating in the field of micro finance and small enterprise for a long time to come.
Pristiwanto is a farmer and businessman with an innate desire to see people break the chain of dependence and develop their own potential. Pristiwanto faced many challenges when he first started working as a Local Motivator in 2010, most of them due to people expecting hand-outs, but not seeing the value of training and mentoring before and during the life of a small enterprise. He gladly reports big changes in the field, as he notices a greater capacity to apply positive thinking in what people do.
One remarkable change has been that of seeing small businesses starting to expand beyond the original expectations. Pristwanto is in for the long haul as a Local Motivator, as he is driven to see FBA operating in the field of micro finance and small enterprise for a long time to come.
Irma Suryani, Aceh Tamiang
Irma moved from KSM member to Local Motivator in mid-2011. A kinder garden teacher, Irma is far wiser and energetic than her 20 years of age and diminutive demeanour would reveal. Through her KSM membership Irma has developed a sound understanding of the benefits of community driven micro finance. Importantly, she has developed an appreciation for working in groups as a vehicle to alleviate poverty and improve community life.
Irma works with 3 KSM groups producing banana snacks. The products are so successful that demand outstrips production, but it’s not only the economic benefits that Irma appreciates from the groups. She has seen people develop confidence and assertiveness to speak in public and acknowledge their worth and potential as a group, and in particular, Irma enjoys seeing the new found confidence in women breaking the cycle of dependency and gaining more economic freedom.
Happy with her work, Irma’s motto is to work hard and take every opportunity to ensure happiness in this world and in the next.
Irma moved from KSM member to Local Motivator in mid-2011. A kinder garden teacher, Irma is far wiser and energetic than her 20 years of age and diminutive demeanour would reveal. Through her KSM membership Irma has developed a sound understanding of the benefits of community driven micro finance. Importantly, she has developed an appreciation for working in groups as a vehicle to alleviate poverty and improve community life.
Irma works with 3 KSM groups producing banana snacks. The products are so successful that demand outstrips production, but it’s not only the economic benefits that Irma appreciates from the groups. She has seen people develop confidence and assertiveness to speak in public and acknowledge their worth and potential as a group, and in particular, Irma enjoys seeing the new found confidence in women breaking the cycle of dependency and gaining more economic freedom.
Happy with her work, Irma’s motto is to work hard and take every opportunity to ensure happiness in this world and in the next.
Hidmah, Aceh Tengah
Hidmah is a high school teacher, specialising in administration, and also experienced in community work. In her village, Hidmah was involved for many years with the implementation of poverty alleviation programs, and specifically working with saving and lending initiatives.
For Hidmah the key to success is to keep the channels of communication open by ensuring that the flow of information reaches every person, as she has witnessed in the villages the consequences of social isolation and poverty. The collective and group approach employed by FBA is one of the reasons that attracted Hidmah to join; she says that people have trust in this approach.
Hidmah believes that individually, everyone has the ability to succeed, but working in group enhances greatly the capacity for people to improve their lives while improving the life of the whole community.
Hidmah is a high school teacher, specialising in administration, and also experienced in community work. In her village, Hidmah was involved for many years with the implementation of poverty alleviation programs, and specifically working with saving and lending initiatives.
For Hidmah the key to success is to keep the channels of communication open by ensuring that the flow of information reaches every person, as she has witnessed in the villages the consequences of social isolation and poverty. The collective and group approach employed by FBA is one of the reasons that attracted Hidmah to join; she says that people have trust in this approach.
Hidmah believes that individually, everyone has the ability to succeed, but working in group enhances greatly the capacity for people to improve their lives while improving the life of the whole community.
Anwar Paudi, Aceh Tengah
Anwar Paudi 38, just married (July 2011) comes from an accountancy background, a subject that he still teaches part time in Aceh Tengah. Before joining FBA, Anwar Paudi was the Unit Manager for the Silih Nara sub-district PNPM Mandiri program. In this Role Anwar Paudi was responsible for disbursing and managing the budget allocated to the villages in his jurisdiction.
Anwar Paudi has joined FBA with clear ideas of what he wants to achieve: the development of communities; facilitate opportunities for community self-help; facilitate opportunities for community members to manage their own resources and products, thus avoiding the added costly layer of agents and middle-men; and seeing communities developing their own strength to gain independence from the need of outside help.
Anwar Paudi feels up to the task all the while being aware of the challenges ahead. He has seen the deterioration of agricultural production and the increase cost of working on the land to the point of a five hectare plot not being able to produce the daily needs of a household, while less than 20 years ago one hectare would have sufficed. Despite this Anwar Paudi sees opportunities in coffee production managed by cooperatives.
Anwar Paudi 38, just married (July 2011) comes from an accountancy background, a subject that he still teaches part time in Aceh Tengah. Before joining FBA, Anwar Paudi was the Unit Manager for the Silih Nara sub-district PNPM Mandiri program. In this Role Anwar Paudi was responsible for disbursing and managing the budget allocated to the villages in his jurisdiction.
Anwar Paudi has joined FBA with clear ideas of what he wants to achieve: the development of communities; facilitate opportunities for community self-help; facilitate opportunities for community members to manage their own resources and products, thus avoiding the added costly layer of agents and middle-men; and seeing communities developing their own strength to gain independence from the need of outside help.
Anwar Paudi feels up to the task all the while being aware of the challenges ahead. He has seen the deterioration of agricultural production and the increase cost of working on the land to the point of a five hectare plot not being able to produce the daily needs of a household, while less than 20 years ago one hectare would have sufficed. Despite this Anwar Paudi sees opportunities in coffee production managed by cooperatives.
Muhhammad Haris, Aceh Timur
Haris comes from Peulalu, in the predominantly fishing area of Kec. Simpang Ulim. Married with one child, Harris fits FBA commitments between his full time work as a field technician for the department of fisheries and family.
Haris brings to the FBA approach his government experience and the belief that the government and non government sectors should work closer to bring economic and social development to communities. Haris faced some difficult challenges when he first started to promote FAB’s KSM model— reticence and doubt were the initial responses he encountered. He began to work through these challenges with a door to door approach, speaking to individuals about the possibilities that setting up small enterprises may bring.
Haris now works with six groups comprising nearly 300 members—some of the products that are reaching the local market are alternative fuels, and fish products. Most importantly, Haris is able to demonstrate an increased level of confidence in the future among his constituency, thus dismantling some of the mistrust he encountered at the beginning.
Haris comes from Peulalu, in the predominantly fishing area of Kec. Simpang Ulim. Married with one child, Harris fits FBA commitments between his full time work as a field technician for the department of fisheries and family.
Haris brings to the FBA approach his government experience and the belief that the government and non government sectors should work closer to bring economic and social development to communities. Haris faced some difficult challenges when he first started to promote FAB’s KSM model— reticence and doubt were the initial responses he encountered. He began to work through these challenges with a door to door approach, speaking to individuals about the possibilities that setting up small enterprises may bring.
Haris now works with six groups comprising nearly 300 members—some of the products that are reaching the local market are alternative fuels, and fish products. Most importantly, Haris is able to demonstrate an increased level of confidence in the future among his constituency, thus dismantling some of the mistrust he encountered at the beginning.
Fatimah, Aceh Timur
Fatima is an early childhood specialist and has been with FBA for just over one year. Fatima saw the opportunity of transferring her educator’s skills to enhance the livelihood capacities of the people of her district. She was very impressed with the philosophy that guides FBA’s operations and was particularly moved by some of the stories unfolding among the six KSM she looks after, which comprise almost 150 members. One in particular, pertaining to the Chi Maju KSM, where one of the members, a widow mother of seven, had one daughter pregnant to her husband who was only casually employed and unable to provide the funds for the imminent child birth care. The KSM rallied together to enable the woman to raise enough funds for her daughter to receive the appropriate medical care needed for a healthy child birth.
Fatima is an early childhood specialist and has been with FBA for just over one year. Fatima saw the opportunity of transferring her educator’s skills to enhance the livelihood capacities of the people of her district. She was very impressed with the philosophy that guides FBA’s operations and was particularly moved by some of the stories unfolding among the six KSM she looks after, which comprise almost 150 members. One in particular, pertaining to the Chi Maju KSM, where one of the members, a widow mother of seven, had one daughter pregnant to her husband who was only casually employed and unable to provide the funds for the imminent child birth care. The KSM rallied together to enable the woman to raise enough funds for her daughter to receive the appropriate medical care needed for a healthy child birth.
Fatmawati, Banda Aceh
The tsunami changed Fatmawati’s life forever. She lost two daughters, her house and livelihood. Fatmawati has always had a passion to serve the community and this grew stronger after the tsunami when her friends in so much need turned to her for assistance because of her ‘can do’ attitude. Fatmawati joined FBA in early 2006 and has played a vital role in providing economic sustainability for her community. Her most rewarding moment was when she empowered a tsunami widower to set up a business on her own. Today, this entrepreneur operates a thriving cake making business employing several women in her community.
The tsunami changed Fatmawati’s life forever. She lost two daughters, her house and livelihood. Fatmawati has always had a passion to serve the community and this grew stronger after the tsunami when her friends in so much need turned to her for assistance because of her ‘can do’ attitude. Fatmawati joined FBA in early 2006 and has played a vital role in providing economic sustainability for her community. Her most rewarding moment was when she empowered a tsunami widower to set up a business on her own. Today, this entrepreneur operates a thriving cake making business employing several women in her community.
Suryadi, Banda Aceh
Suryadi joined FBA in January 2008 and immediately felt he joined "a family". One of the first small businesses Suryadi assisted was a widower who struggled to care for her son suffering from lung disease. After several unsuccessful attempts at seeking funding from banks and NGO’s, she had nearly given up until she met Suryadi. After an initial meeting, Suryadi assisted with a proposal and the loan was approved—creating a very proud moment as this mother and entrepreneur was now able to generate income to support her sons medical needs. Working with FBA has taught Suryadi much particularly in dealing with different personalities and business skills.
Suryadi joined FBA in January 2008 and immediately felt he joined "a family". One of the first small businesses Suryadi assisted was a widower who struggled to care for her son suffering from lung disease. After several unsuccessful attempts at seeking funding from banks and NGO’s, she had nearly given up until she met Suryadi. After an initial meeting, Suryadi assisted with a proposal and the loan was approved—creating a very proud moment as this mother and entrepreneur was now able to generate income to support her sons medical needs. Working with FBA has taught Suryadi much particularly in dealing with different personalities and business skills.
Fitriani, Bireun
Fitriani works in the agricultural district of Bireun and witnesses regularly the hardship and scarce economic opportunities for the people in her community. Poor infrastructure and lack of capital stifle their possibilities for development. For this reason Fitriani has decided to join the FBA team.
Originally a high school teacher, just graduated from Al-Muslim University, Fitriani is confident in her abilities to encourage people to work towards their economic empowerment through the group work structure of the KSM. Fitriani feels that the self-supporting system of the FBA program enables people to develop trust in the micro finance system, thus enabling the members to develop enterprise ideas. Among some of the business that have been established with Fitriani support are cakar ayam, bakso goreng and kipang kacang.
Fitriani works in the agricultural district of Bireun and witnesses regularly the hardship and scarce economic opportunities for the people in her community. Poor infrastructure and lack of capital stifle their possibilities for development. For this reason Fitriani has decided to join the FBA team.
Originally a high school teacher, just graduated from Al-Muslim University, Fitriani is confident in her abilities to encourage people to work towards their economic empowerment through the group work structure of the KSM. Fitriani feels that the self-supporting system of the FBA program enables people to develop trust in the micro finance system, thus enabling the members to develop enterprise ideas. Among some of the business that have been established with Fitriani support are cakar ayam, bakso goreng and kipang kacang.
Safriani, Bireun
Safriani has been working as a Local Motivator since August 2010. From the point of view of her business experience and community work, moving into the LM role has been natural and relatively easy.
Safriani is well known in her community for her enthusiasm and commitment. Prior to joining the FBA team Safriani worked with CEPA for two years, her main tasks to ensure that materials and constructions of new schools, as part of the post-tsunami reconstruction efforts, were on target.
Currently Safriani works with five KSM, they have a range of activities and products including soy processing, tempeh, tofu and es rumput laot—a traditional drink made from the seagrass found in the waters around Sumatra and specifically Aceh.
Married with two children, Safriani is motivated to see improvement not only in her community but the entire Bireun District. She feels that since the Bireun area has been separated from Aceh Utara to become an independent municipality, services in education, health and poverty alleviation have deteriorated, causing more marginalisation for disadvantaged people, especially women.
Safriani has been working as a Local Motivator since August 2010. From the point of view of her business experience and community work, moving into the LM role has been natural and relatively easy.
Safriani is well known in her community for her enthusiasm and commitment. Prior to joining the FBA team Safriani worked with CEPA for two years, her main tasks to ensure that materials and constructions of new schools, as part of the post-tsunami reconstruction efforts, were on target.
Currently Safriani works with five KSM, they have a range of activities and products including soy processing, tempeh, tofu and es rumput laot—a traditional drink made from the seagrass found in the waters around Sumatra and specifically Aceh.
Married with two children, Safriani is motivated to see improvement not only in her community but the entire Bireun District. She feels that since the Bireun area has been separated from Aceh Utara to become an independent municipality, services in education, health and poverty alleviation have deteriorated, causing more marginalisation for disadvantaged people, especially women.
Razali, Pidie
Based in the agricultural hub of Aceh, Razali’s beneficiaries mainly consist of poor farming groups who do not have access to banks. Razali’s passion is working with agricultural communities and he was able to foster this when FBA moved into his region in 2006. Razali’s work is spread over two large areas and he thoroughly enjoys the interaction with people, particularly being able to transfer skills and knowledge to small business owners. His proudest moments have been when his beneficiaries have completed their loans and proven to be financially self sufficient. It gives him great pleasure to be able to work with these small business owners to apply for a second loan, encouraging further economic development.
Based in the agricultural hub of Aceh, Razali’s beneficiaries mainly consist of poor farming groups who do not have access to banks. Razali’s passion is working with agricultural communities and he was able to foster this when FBA moved into his region in 2006. Razali’s work is spread over two large areas and he thoroughly enjoys the interaction with people, particularly being able to transfer skills and knowledge to small business owners. His proudest moments have been when his beneficiaries have completed their loans and proven to be financially self sufficient. It gives him great pleasure to be able to work with these small business owners to apply for a second loan, encouraging further economic development.
Hanifah, Pidie Jaya
Hanifah’s greatest drive is to inspire women to assert themselves in their family and community and fulfil their aspirations and potential. Hanifah is in her mid-twenties, married with one child, an accomplished business woman who dedicates part of her time to inspire other people in her area to establish sustainable enterprises.
Hanifah prefers to work with women because she has noticed that many of them who are confined to the home and domestic duties have great ideas and potential, but lack the basic training to get going. For this reason she has embraced the FBA model of providing micro finance assistance coupled with training, mentoring and long term support. Hanifah has long term aspirations herself—one of them is to see an Acehnese woman elected as Gubernur.
Hanifah’s greatest drive is to inspire women to assert themselves in their family and community and fulfil their aspirations and potential. Hanifah is in her mid-twenties, married with one child, an accomplished business woman who dedicates part of her time to inspire other people in her area to establish sustainable enterprises.
Hanifah prefers to work with women because she has noticed that many of them who are confined to the home and domestic duties have great ideas and potential, but lack the basic training to get going. For this reason she has embraced the FBA model of providing micro finance assistance coupled with training, mentoring and long term support. Hanifah has long term aspirations herself—one of them is to see an Acehnese woman elected as Gubernur.
Mulyadi, Pidie Jaya
Mulyadi covers an area which is afflicted by poverty and the social isolation of women. He seized on the opportunity to contribute to the development of his community by joining FBA in 2010. Previously a private teacher, Mulyadi is keen to break the vicious cycle of dependency by motivating people to think for themselves and pursue their potential.
Among the current activities in Mulyadi area are the production of tofu’, tempeh and mushroom. For the time being these products only reach the local market, but Mulyadi sees much potential for expansion. The social and economic development Mulyadi aspires to is not limited to the individuals that he assists through the FBA programs and activities, he also sees much needed infrastructure development in some of the poorest areas of Pidie Jaya.
Mulyadi and his wife know the area well, and at 28 years of age he has plenty of energy to fulfil his dream of the good life.
Mulyadi covers an area which is afflicted by poverty and the social isolation of women. He seized on the opportunity to contribute to the development of his community by joining FBA in 2010. Previously a private teacher, Mulyadi is keen to break the vicious cycle of dependency by motivating people to think for themselves and pursue their potential.
Among the current activities in Mulyadi area are the production of tofu’, tempeh and mushroom. For the time being these products only reach the local market, but Mulyadi sees much potential for expansion. The social and economic development Mulyadi aspires to is not limited to the individuals that he assists through the FBA programs and activities, he also sees much needed infrastructure development in some of the poorest areas of Pidie Jaya.
Mulyadi and his wife know the area well, and at 28 years of age he has plenty of energy to fulfil his dream of the good life.
