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Diana is from the village of Kvirike, in the Adjara Region. She is 22 years old and works as a waitress at the local café. Her monthly wage is approximately $240. Diana is married and lives with her child, spouse and parents. Her father runs small scale agricultural business and grows maize and nuts on the family-owned plot of land. He also is involved animal husbandry business and breeds pigs.

The existing family funds are modest and hardly enough to cover food and every day expenses. That is the reason why Diana decided to start a clothing trading business. She has no experience in this field but hopes she will cope with all the difficulties and generate a good income since there are not many clothing stores in her district. She has applied for this loan in order to purchase a supply of clothing at wholesale prices and sell them among her coworkers and community members. She will be very nice to her customers and do her job with love and care.

Diana will be able to earn more income and make savings to satisfy the everyday needs of her family members. She awaits your generosity.

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
  • 50
    View loans »
    Georgia Loans Fundraising
  • $8,637,875
    Funds lent in using Kiva
  • 1.7
    Georgia Lari (GEL) = $1 USD

Success!! The loan was 100% repaid

A loan of $2,000 helped Diana to start up a clothing trading business.
100% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Aug 13, 2013
Sep 15, 2013
Currency Exchange Loss:
Sep 17, 2015