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This is Maya, who is 44 years old and lives in Tbilisi city. She is married with one child. Maya and her husband are running a car rental business and earn a monthly income. As their earnings are not enough to cover utilities and food costs, Maya has decided to diversify the business and start up a small café, where doner will be sold. Doner (kebab/sandwich/gyro) has become a very popular fast-food dish in the last several years in Georgia.

According to Maya’s estimation, sales will be high as the location where she plans to start her cafe is crowded with people. She has already hired the commercial space and needs money to purchase all the needed equipment and raw materials. The income from the café will be a great support for the family as it will generate additional income. Maya appreciates your kindness.

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
  • 32
    View loans »
    Georgia Loans Fundraising
  • $7,785,750
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $2,500 helped Maya to start up a food cafe.
100% repaid
Repayment Term
21 months (Additional Information)
Repayment Schedule
Oct 25, 2013
Nov 9, 2013
Currency Exchange Loss:
Oct 17, 2014