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Natik, 36, is married, living in the village of Kabali with his wife, two children and retired parents. Natik’s children go to the public school. He’s a very hardworking, enthusiastic man who focuses all his efforts into getting ahead.

Natik works very hard on his own greenhouses where he grows cucumbers, tomatoes and various of vegetables during the whole year. His products are very good quality, and he sells his harvests among vegetable retailers. With the received loan, Natik will purchase a cargo van to start a vegetable-selling business. He will transport his harvest to the capital city open market and sell them for a higher price.

The credit will significantly increase his family's income. It is obvious that the family's financial needs are significant, but Natik will work hard to solve them and give their children a better life.

He wants to thank all Kiva lenders.

Additional Information

More information about this loan

This loan is part of Credo's startup loan program targeting particularly vulnerable clients who live at the subsistence level and have been unable to obtain credit due to lack of income from an existing business. This program offers them a longer repayment term and an annual interest rate that is 5% lower than the standard interest rate. By funding this loan, you are supporting a program that gives borrowers a second chance to start and grow small businesses. This has the potential to alleviate the effects of poverty, significantly improving borrowers' incomes and their families' quality of life. Learn more about Credo's startup loan program on the Kiva Blog.

About LLC Micro Finance Organization Credo

LLC Credo (Credo) is a microfinance organization in Georgia that provides sustainable credit services to alleviate poverty in rural areas, including business loans, agriculture loans, household loans, crop insurance and more. Kiva lenders’ funds are used to help the organization expand its outreach to even more entrepreneurs, farmers and households in remote areas.


About Georgia

  • $6,100
    Average annual income
  • 42
    View loans »
    Georgia Loans Fundraising
  • $7,901,050
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD
A loan of $2,600 helped Natik to purchase a cargo van for trading.
Repayment Term
11 months (Additional Information)
Repayment Schedule
Jun 27, 2013
Jul 15, 2013
Currency Exchange Loss:
Aug 14, 2013