A loan of $1,400 helped to increase her family's income by purchasing a tractor.


Manana's story

Manana is 45 years old. She lives in the Abasha district of West Georgia with her husband, two children, daughter-in-law and a mother-in-law, who is provided with a retirement pension.

On several occasions Manana has requested a loan from local financial institutions for an agricultural business start-up, but without any success. Her loan requests were always rejected because of her low income and her lack of experience in the business, which is usually demanded by local credit providers. Manana has a plot of land where she grows maize. She does all of the relevant agricultural work to ensure a good, quality harvest. The crops she harvests are sold locally. She also has a pig and a milk cow, whose milk is used in dairy products.

Manana is now requesting a loan for her agricultural business. The loan program provides businesses with start-up funding to assist the country's rural poor, who do not have access to most credit products as they are regarded as “high risk borrowers” because of their low income. With the loan proceeds, Manana would like to purchase a tractor. Her husband and elder son would like to use the tractor to perform agricultural work on the lands of nearby farmers, mainly on tilling and sowing seasons, and will be paid by landlords. They will save any profits generated as a result of the tractor and will continue to cultivate their own land. She expects that the loan will significantly increase her family's income and will enable Manana to provide better living conditions for her family.



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Loan details