Check out some available loans that are similar to this one!
Khatuna is 29 years old and married. She lives with her husband and three daughters. Her children go to the local school.

Khatuna and her husband are unemployed now. The family lives in poverty, though it gets a pension from the government as being in poverty. Sometimes their relatives give them money for food.

Khatuna has requested a loan several times, but her attempts were all rejected because of not having a stable income and her lack of experience. The Start Up program, which is a joint initiative with Kiva, enables her to get a loan for starting a business.

She will purchase dairy cows, will milk every day, and will produce dairy products to sell and to feed her children. The Start Up program will be a great support for her family.

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

Success!! The loan was 100% repaid

A loan of $1,500 helped Khatuna to purchase dairy cows.
100% repaid
Repayment Term
22 months (Additional Information)
Repayment Schedule
Sep 16, 2013
Oct 16, 2013
Currency Exchange Loss:
Apr 17, 2015