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Jariya is an artisan in Thailand who specializes in modern Thai apparel. She would like to invest in a bulk purchase of cotton as well as hire additional weavers for her workshop. She has been selling through NOVICA since 2007. This is her story:

"I share my love for art with my brother. He began designing cotton clothing and received awards and recognition. One day he invited me to join him and when he saw I had developed my own skills and styles, he left me in charge. My designs focus on using natural materials and traditional techniques. We use the method of coiling thread to decorate many of our designs. It is made by hand by people from nearby villages."

"This microcredit will allow me to offer work to artisans and tailors in our village, and they support their families with this work. Through Novica, sales have been good and our weavers are happy, as this gives them security. Now I'd like to grow the workshop as well as buy cotton to increase my stock of finished items. This microcredit will help a lot because I don't have enough capital at the moment. Thank you!"

Use the link below to view Jariya's modern Thai apparel on the NOVICA site:

Additional Information

Important information about Novica

Novica is an e-commerce website that allows artisans around the world to sell unique, high-quality goods directly to consumers. It also offers small loans to help artisans in the developing world start and grow their businesses. It’s possible to buy goods created by the artisans you help fund on the Novica website.

Repayments on Novica loans are tied to artisan revenue. This means that if an artisan has a good month, they will pay back more -- or less during slower months. To accommodate this, all repayments on this loan are due at the end of the loan term. Any repayments received before this deadline will be considered pre-payments, but will still be distributed to lenders as usual.

Because Novica is not a microfinance institution, Kiva’s risk rating system is not applicable. Kiva has conducted onsite due diligence, and Kiva’s Investment Committee approved the organization as a partner. Novica offers artisans loans at 0% interest.


About Thailand

  • $14,400
    Average annual income
  • 0
    View loans »
    Thailand Loans Fundraising
  • $124,775
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $2,500 helped Jariya to invest in a bulk purchase of cotton as well as hire additional weavers for her workshop.
100% repaid
Repayment Term
13 months (Additional Information)
Repayment Schedule
At end of term
Jul 11, 2014
Jun 11, 2014
Currency Exchange Loss:
Jul 17, 2015