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This is Tsisia, age 29, from the small town of Khashuri. Thisia is married and lives with her husband and two children (2 and 10 years old). Thisia’s spouse is a distributor, working for a private company in return for a small monthly wage.

Tsisia’s economic activity is the clothing trade business. She buys fashionable apparel for children, women, and men in the capital city open market, and sells the items in her community from her house.

She has been in this business for nearly two years, and it is going well. That is why Tsisia decided to develop the business and start a clothing store. She’s already hired the commercial space, and needs working capital to purchase a stock of merchandise.

With the received loan, she will buy apparel,and after the store is well-stocked, Tsisia will be able to attract many customers.

She will increase the inventory gradually and invest the profit in the same business.

She awaits your kindness.

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
  • 46
    View loans »
    Georgia Loans Fundraising
  • $8,648,750
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD
A loan of $2,400 helped Tsisia to purchase stock of merchandise to start up a clothing store.
Repayment Term
26 months (Additional Information)
Repayment Schedule
Aug 13, 2013
Sep 15, 2013
Currency Exchange Loss:
Oct 15, 2013