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Natia is a 34-year-old divorced woman with two children who go to public school. She lives in the village of Tezi.

Natia’s economic activity is her newly-started store in a suburb of the capital city, where she sells household items. She started this business several weeks ago, so it needs support for further development.

As she lacks experience with the new business and does not qualify under income requirements, local credit providers rejected her loan request. It was approved under the framework of a new joint initiative between Kiva and Credo. This loan program provides startup and re-startup credits with reduced requirements for the rural poor who do not have access to many credit products, as they are regarded as “high risk borrowers” because of low income.

With the loan she is asking for, Natia will purchase more merchandise such as plastic dishes, hygienic items, etc. She will renew the assortment and expand her product inventory. It is obvious that the job is hard for her, but she is ready to deal with the difficulties and develop her trading business gradually.

Natia is a very enthusiastic and hard working person, with a great desire to ensure her children receive a good education to progress in life.

Additional Information

More information about this loan

This loan is part of Credo's startup loan program targeting particularly vulnerable clients who live at the subsistence level and have been unable to obtain credit due to lack of income from an existing business. This program offers them a longer repayment term and an annual interest rate that is 5% lower than the standard interest rate. By funding this loan, you are supporting a program that gives borrowers a second chance to start and grow small businesses. This has the potential to alleviate the effects of poverty, significantly improving borrowers' incomes and their families' quality of life. Learn more about Credo's startup loan program on the Kiva Blog.

About LLC Micro Finance Organization Credo

LLC Credo (Credo) is a microfinance organization in Georgia that provides sustainable credit services to alleviate poverty in rural areas, including business loans, agriculture loans, household loans, crop insurance and more. Kiva lenders’ funds are used to help the organization expand its outreach to even more entrepreneurs, farmers and households in remote areas.

About Georgia

  • $6,100
    Average annual income
  • 48
    View loans »
    Georgia Loans Fundraising
  • $8,648,750
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,900 helped Natia to purchase household items to sell.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Jun 20, 2013
Jul 16, 2013
Currency Exchange Loss:
Jan 18, 2014