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Nata is a 20-year-old married woman. She lives in a small village of Dedoplistskaro district with her husband and father-in-law. Her husband works in physical labor and her father-in-law is a watchmen; they both get a small monthly income that is not enough for the family. Nata decided to start her own business. The Start Up program, which is a joint initiative with Kiva and Credo enables her to get a loan of $ 500 to open a trading business. Nata will begin trading clothes and will increase the income of her family.

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
  • 35
    View loans »
    Georgia Loans Fundraising
  • $7,912,575
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $500 helped Nata to buy clothes to sell.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Sep 12, 2013
Oct 8, 2013
Currency Exchange Loss:
Oct 17, 2014