Around that time, she heard about
an organization named Yayasan Ridho Mukti Farm (YRMF)
which provided non-collateral loans to poor women
to help them to invest in income-generating opportunities.
After consulting her husband, Mrs. Anis decided to
join YRMF and took Rp. 200,000 to start a cookie making
business and soon she started selling the homemade
cookies she made to some local shops in the neighborhood.
As her business grew rapidly, she
began to contribute to the household income and she
was gradually able to fulfill the basic needs of her
family. But Mrs. Anis was still determined to send
all her children to school. She took a subsequent
loan of Rp. 400,000 to further expand her business.
She is now selling her cookies to about 40 stores
and she makes a profit of around Rp. 50,000 each week,
which is enough for her to ensure timely loan repayments
and meet all household expenditures. Her life style
has not only improved considerably, but she is able
to pay for her children’s education too. Currently
four of her children are studying in nearby schools
and the youngest one is under five years. As a result
of her financial sufficiency, Mrs. Anis now has a
greater sense of self-respect, pride and dignity.
Mrs. Anis is very satisfied with the
service provided by YRMF and she is grateful to YRMF
for giving her the means to bring her family out of