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Zhana, 25, lives in the village of Teliani, in the Kaspi district of Georgia. She lives with her husband, retired grandmother and two toddler children. Zhana is an internally displaced person and lives in a small community that is mainly populated by refugees from the conflicted area where Zhana once lived.

In spite of these vital difficulties, Zhana is an enthusiastic and energetic young woman who has a great desire to get ahead.The family earns a living through a small poultry farm with 20 hens. Zhana sells the eggs to community members, and her husband sometimes works as a laborer in the village to earn a small income.

Zhana’s family receives social assistance from the local government. She recently received financial support from an international humanitarian organization to build a grocery store. The family built the store and purchased all the equipment necessary to start the store. Zhana is now requesting a loan to buy basic groceries to stock the store.

Zhana will work as a saleslady and serve her customers in a friendly way. She hopes her business will be lucrative and that she will increase the turnover gradually.

This loan will be a great help to the family to generate income and improve their living standard.

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
  • 38
    View loans »
    Georgia Loans Fundraising
  • $7,802,825
    Funds lent in using Kiva
  • 1.7
    Georgia Lari (GEL) = $1 USD
Ended with Loss - Currency Exchange Loss learn more
A loan of $1,525 helped Zhana to purchase basic groceries to stock the store.
97% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Aug 13, 2013
Sep 14, 2013
Currency Exchange Loss:
Mar 19, 2015