A loan of $2,500 helped to purchase secondhand clothing for resale.


Zhana's story

Zhana is 48 years old from the seaside city of Batumi. She is married and lives with her spouse in their own house. The only source of income for the couple is the small monthly rent from the commercial space located in crowded street of Batumi. Unfortunately, the existing income is not enough to make ends meet for them. So, Zhana decided to start a clothing trading business with a loan but the local credit providers usually demand experience and some stable income from the borrowers. Zhana’s credit requests were rejected several times, as she didn't satisfy their requirements. She received the credit in the framework of joint initiative of Kiva and Credo. This Start-up Program gives vulnerable poor people the chance to start or re-start businesses. With the loan of $2500 USD, she will purchase secondhand clothing at wholesale prices and sell them in her community. She will set up a store and offer her customers a wide assortment of well-priced clothing for men, women and children. Zhana is ready to deal with the difficulties and develop her trading business gradually. The Start-up credit will be a great support for the family, as their income will be significantly increased due to Kiva Lenders.



Loan details


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Loan details