A loan of $600 helped purchase inventories for her cafe.


Lali's story

Lali lives in the Senaki District. She is 33 years old and lives with her husband, child and mother. Lali and her mother work at the local school as teachers and get small monthly salaries.

Several times, Lali has requested loans from local credit providers for a family business start up, but her loan requests were always rejected because of the lack of experience in new business. Her current loan request was approved within the framework of a new joint initiative between Kiva and Credo. The start-up loan program envisages the provision of credit on soft conditions to business start-ups and re-startups for the country's rural poor, who do not have access to credit products, being regarded as “high risk borrowers” because of their low income.

With the received credit, Lali will start up a fast-food café. She will bake cakes and pies and sell them among the local people. She will pay for inventories such as tables, chairs and a lunch counter. Lali hopes her business will be profitable and that she will attract many customers since there is no similar café nearby. The profit will be reinvested in the same business and Lali will be able to improve the living conditions of her family.



Loan details


Lenders and lending teams



Loan details