A loan of $1,600 helped to build a greenhouse.


David's story

David is 28 years old. He lives in the Tskaltubo District with his wife and children. The family sows greens in the open ground and sells them in an open market. In addition, David owns a milk cow and produces cheese products.

He has requested a loan from local financial institutions several times for a family business start-up, but without any success. His loan request was rejected every time because of low income and his family’s poor living conditions. David requested a loan from Credo to start up a family business. His loan request was approved within the framework of a new joint initiative between Kiva and Credo. The start-up loan programs extend to the country rural poor business start-up and re-start up credits with soft conditions. These families do not have access to credit products, because they are regarded as “high risk borrowers” because of low income.

With the received credit, David will build a greenhouse. He will purchase building materials to construct it. David will sow different kinds of greens and vegetables to sell at a good price. This will increase the income of his family. The new business initiative, financed with the Kiva start-up loan, will significantly improve the living conditions of the family. David awaits your support.



Loan details


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Loan details