A loan of $4,000 helped to construct a greenhouse and sow cucumbers.


Emzar's story

Emzar is a 47-year-old farmer from the village of Kveda Tsinsvla. He lives with his wife, son, daughter-in-law and an infant granddaughter. He has been involved in the agricultural business from early childhood, as his parents were farmers and this is a traditional activity for the family. Emzar works hard on his family-owned dairy farm with a milk cow. They milk it and produce cheese. In addition, he grows citrus on the agricultural land. Emzar always has high quality products, which are sold to local retailers for a good price. In addition, Emzar is a mini-bus driver and transports passengers from his village to the district. He works hard but the existing income is not enough to cover the food and everyday expenses for his five-member family. That’s why Emzar decided to start a greenhouse and seek credit among local financial institutions, but his attempts were unsuccessful because of economic conditions. The startup program that is a joint initiative between Kiva and Credo enables vulnerable poor and inexperienced people to get a loan for starting or re-starting businesses. His application was approved under the framework of this program to get a loan of $4000 for constructing the greenhouse. He will purchase building materials and after the greenhouse is built, Emzar will sow cucumbers there. The family will sell the harvest to retailers and this new business initiative will give Emzar the chance to have financial stability.



Loan details


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Loan details