A loan of $325 helped to rent a tractor and purchase maize.


Inga's story

Inga is from the Napareuli village in East Georgia. She is 25 years old and lives with her uncle. Inga’s uncle is an agricultural worker in the village, and Inga is unemployed. The total average monthly income of the family is 150 GEL. According to Credo estimations, Inga and her uncle belong to the "vulnerable poor" category. Inga has requested loans from local financial institutions for an agricultural business start-up several times, but her loan requests were rejected because of her low income and her family’s poor living conditions.

Inga requested an agricultural loan from Credo to start a small-scale agricultural business. Her loan request was approved as part of a new joint initiative by Kiva and Credo. This start-up loan program envisages providing start-up and re-start credits with soft conditions to the country's rural poor, who do not have access to credit because they are regarded as “high risk borrowers” due to their low income levels.

With the loan credit, Inga will cultivate her family's 0.4 hectare property. In particular, she will rent a tractor for tilling the land and purchase maize for sowing. Inga will work hard on the plot during the summer to get a good harvest in early fall, and she will sell the harvested maize at the local open market. As a result of the Kiva loan, Inga will earn additional income and will use it to improve her living conditions.



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Loan details