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Natia, aged 33, is from the city Batumi. She is married with two children. Her father-in-law lives with the family as well. Natia's economic activity is her newly started store where she sells curtains, towels, and various clothes. Natia works as a salesperson from the rented commercial space. In order to increase sales and generate more income, Natia is requesting this loan. With the loan, she will go to Turkey (neighboring country) where prices are lower and buy stocks of merchandise in bulk. She will enlarge her store and offer a wide assortment of products to her customers. Natia hopes the Kiva loan will be helpful for her business and her family's well being.

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
  • $8,094,625
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $5,000 helped Natia to add stock of merchandise to her newly started store.
100% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Nov 14, 2013
Dec 15, 2013
Currency Exchange Loss:
Mar 19, 2015