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George, age 23, is from Daba Kulashi, a small town in the western part of Georgia. He is married and lives with his wife, his father and his retired grandmother. George's mother lives and works abroad. She transfers money to her family and these funds are the only income for the family. George has a bachelor's degree in law but he is jobless at the moment.

He is a very energetic young man, who wishes to generate income for the well being of his family members.

He is requesting the loan to start up an internet cafe in his town. George managed to save some money to purchase needed equipment, but now he needs money to add three personal computers to his cafe.

George hopes his project will be lucrative especially among youngsters as the majority of local people still do not have personal computers and access to an internet connection at home. George will earn money and will be able to improve the family's living conditions in the future. He awaits your support.

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
  • 40
    View loans »
    Georgia Loans Fundraising
  • $8,073,000
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,800 helped George to start an internet cafe.
100% repaid
Repayment Term
11 months (Additional Information)
Repayment Schedule
Sep 14, 2013
Oct 19, 2013
Currency Exchange Loss:
Jul 25, 2014