A loan of $1,225 helped to start a dairy farm by building a cattle shed and purchasing a milk cow.


Mzia's story

Mzia is 49 years old. She lives in the Kaspi District with her husband and 20-year-old son. Her family members work at the brick factory and get small monthly salaries, but they still live in poverty because the income is not enough for three-member family.

Mzia requested a loan to start a dairy farm. Her loan request was approved as part of a new joint initiative between 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, Mzia will purchase building materials and build a cattle shed. Another part of the loan will be used for purchasing a milk cow. She will place the cow in the new cattle shed in her yard and will start producing cheese to sell at the local open market.

The family's income will increase by 150 – 200 GEL (Georgian Lari), 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