A loan of $1,475 helped to improve her catering service.


Lusine's story

Lusine is from Kapan, where she lives with her school age daughter. Lusine started her business years ago. At that time, she was in a very difficult living condition and it was very difficult for her to tackle her financial hardships and sustain her daughter's life. After opening her catering business, Lusine was able to make a little improvement in her life and cover her daily costs. Due to her hard work and nice attitude toward people, Lusine has gained many loyal customers who prefer to come to Lusine's little cafe and enjoy tasty meals. Lusine is now more specialized in Georgian cuisine and cooks different types of meals which her customers enjoy with great pleasure. Lusine requested a loan from local financial institutions several times for her start-up business, but without any success. Her loan request was rejected every time because her business isn't registered as a formal business. Lusine has now been approved for a loan within the framework of a new joint initiative between Kiva and SEF international. The start-up loan program provides business start-up loans with soft conditions to informal businesses that do not have access to credit products. This loan is very important for Lusine to make improvements to her catering service and be able to meet the market demand.



Loan details


Lenders and lending teams



Loan details