A loan of $2,000 helped to add more products to his newly started grocery store.


Bezhan's story

Bezhan is a 36-year-old man who lives in Khelvachauri district. He is married and has three children who are going to school. He also has a 32-year-old sister who lives with their family.

Bezhan requested a loan from local financial institutions several times for a family business start-up, but without any success. His loan request was rejected all the time because of low income and the family’s poor living conditions.

Bezhan opened a grocery shop recently where he sells different kinds of groceries and is grinding coffee as well. According to Credo estimations, the family belongs to the subsistence poor category. His loan request was approved in the framework of a new joint initiative of Kiva and Credo. The start-up loan program envisages provision of business start-up and restart-up credits with soft conditions to the country’s rural poor, who do not have access to credit products, being regarded as “high risk borrowers” because of low income.

Bezhan requested a loan for purchasing more stock of groceries, which will help his newly started business to develop. He will reinvest the profit in the same business. This will help him and his family to have better living conditions.



Loan details


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Loan details