A loan of $2,200 helped to build a greenhouse for her agriculture business.


Maka's story

Maka is 36 years old. She lives in the small village of Khoni District with her husband and parents-in-law, who are provided with a retirement pension. Maka requested a loan from local financial institutions several times for her family start-up business, but without any success. Her loan request was rejected every time, because of her low income and the family’s poor living conditions.

The only source of the income for the family is from agricultural activities. In particular, they have a milking cow, whose milk is used in making cheese products. They sell cheese at local markets. Besides this, her husband works as an electrician and gets a small income. It is hardly enough food for the family. According to Credo estimations, the family belongs to the poor subsistence category.

Maka requested loan from Credo to start-up a family business. Maka has now been approved for a loan within the framework of the new joint initiative between Kiva and Credo. The start-up loan program envisages the provision of a business start-up and restart-up credits with soft conditions to rural poor people, who do not have access to credit products. These rural poor people are regarded as “high risk borrowers” because of their low income. With his credit, Maka will build a greenhouse. After the greenhouse is built, she will be able to sow vegetables there. The harvested vegetables will be sold at local markets at a good price. This will increase the income of their family. The new business initiative, financed with the Kiva start-up loan will significantly improve the living conditions of the family.



Loan details


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Loan details