A loan of $1,100 helped to purchase a milk cow to start a dairy farm.


Ketevan's story

Ketevan is 34 years old. She lives in the Khoni District of West Georgia with her husband, George, who works as a local artisan and earns a monthly income. The family has a pig and sells piglets seasonally. In addition, they grow nuts on family-owned agricultural land and sell harvested products at the local open market. Although both Ketevan and her husband work hard, they still live in poverty.

Ketevan requested a loan to start a dairy farm. Her loan request was approved as part of a new joint initiative from Kiva and Credo. The start-up loan program provides loans with reasonable terms to start-up businesses. These loans are provided to the country's rural poor, who do not have access to credit products because they are regarded as “high risk borrowers” due to their low incomes.

With this loan, Ketevan will purchase a milk cow. She will place it in the old cattle shed located in her yard. She will start producing cheese and will sell it at the local open market. The family's income will increase by 150 – 200 Laris, which is a 45 – 60% increase. The family's living conditions will significantly improve and the family will have enough income to access regular credit products available on the country’s capital market, in case of need.



Loan details


Lenders and lending teams



Loan details