A loan of $1,200 helped to start up a massage room.


Khatuna's story

Khatuna is 35 years old and lives in Gori with her husband and two children (5 and 9 years old). Khatuna’s husband is a workman and Khatuna is a masseuse. She serves her clients in their house. Both family members get a small monthly salary.

Khatuna requested a loan from local financial institutions to start a massage room and expand her business, but without success. Her loan request was rejected because of her low income and insufficient experience in her business. However, her loan request was approved through a new joint initiative of Kiva and Credo. The program provides start-up and re-startup credits with soft conditions to the country's rural poor. These people do not have access to traditional credit products, being regarded as “high-risk borrowers” because of low income.

Khatuna requested a loan to start a massage room in a beauty center. She plans to purchase the essential equipment needed to satisfy the needs of a professional masseuse. Khatuna will serve her clients in the room and this will raise the income of the family, which she will use to improve the family’s living conditions. She awaits your support.



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Loan details