A loan of $1,225 helped to start a clothing trading business.


Guliko's story

Guliko is 36 years old, married and living in the village of Dzimiti with her husband and school-aged daughter. The family runs a small-scale agricultural business for seasonal income. Specifically, they cultivate the plot of land where maize and nuts are grown. The harvest is sold at the local market. Besides this, Guliko runs a dairy farm with a cow for milk. She produces dairy products with the milk and sells them from her house. As their existing income is very small and is not enough to cover everyday expenses, Guliko decided to start a clothing sales business. She requested a loan from the local credit providers, but they usually demand some stable income from the borrowers. Guliko’s credit requests were rejected several times, as she didn’t satisfy their requirements. She received this credit in the framework of joint initiative of Kiva and Credo, the so-called Startup Program that gives rural poor people the chance to start or re-start businesses. With this loan of 2,000 GEL she will purchase clothing and household items at wholesale prices and sell them in her community door-to-door. She plans to sell a wide assortment of well-priced clothing for men, women and children and bedclothes as well. It is obvious that the job is hard for Guliko, but she is ready to deal with the difficulties and develop her business gradually. The Start Up credit will be a great support for the family, as their income will be significantly increased thanks to Kiva lenders.



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Loan details