Day Twelve: An Indonesian Entrepreneur’s Story


For the 12 days leading up to Thanksgiving in the U.S., we’re featuring 12 stories from six different countries we work in, as a way of saying, “Thank You” to our supporters, who make our work possible. We hope that you enjoy seeing the difference that you’re making in the lives of poor people around the world, every day.

Ibu Marni, a 44-year-old mother of two, lives in the village of Kunciran, outside the Indonesian capital of Jakarta. She joined Grameen Foundation as a Village Phone operator in late 2009. Grameen Foundation operation manager Ellen Sasha shares her story:

Ibu Marni spent years creating businesses out of her home, ranging from selling groceries to renting out video games, only to watch each one fail due to rising costs, increased competition and complaints from neighbors. Each failure put her deeper into debt, and when her husband lost his job as a construction worker, she struggled to find new ways to support her family. As an optimist with an entrepreneurial spirit, however, she never gave up.

In 2009, through Grameen Foundation and its social-enterprise partner, Ruma, she finally found a sustainable business model: selling airtime for mobile phones. With the money she makes, especially now that her husband has found work again, she has been able to pay for her son’s college tuition and to expand their tiny house, so that he no longer has to share a room with his sister.

Ibu Marni’s hard work and entrepreneurial spirit have helped her provide a better life for her children.

What makes Ibu Marni special is her friendly character, mature attitude and ability to mingle with new people, especially in poor communities. As an older woman, she can easily start a conversation with a group of ladies, who may not be as comfortable talking to a male field officer. She can also approach customers in very poor neighborhoods where strangers are usually not welcome, because people are less suspicious of someone like her.

As her technological and financial literacy continue to improve, she plans to create her own cooperative to help provide capital to other poor entrepreneurs, such as coffee vendors. She has learned that by helping others start up small home businesses, they can rise up together from poverty.

Ibu Marni has grown from humble beginnings to become a successful entrepreneur who now helps others in her community. When you support Grameen Foundation, you can also give a hand up to poor people around the world and help us break the generational chains of poverty.

Our 12 Days of Thanksgiving series stories were collected and edited with the help of Bankers without Borders® volunteer Nicole Neroulias Gupte.

You can read the rest of our series here: Part 1 | Part 2 | Part 3 | Part 4 | Part 5| Part 6| Part 7 | Part 8 | Part 9 | Part 10 | Part 11 | Part 12

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