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Dariko, age 41, is from the Khelvachauri District. She is married with two grown sons. The family runs a small-scale agricultural business to earn a living. Specifically, Dariko grows citrus in her own garden and sells seasonally to local retailers. Moreover, Dariko breeds milk cows and sells the received milk from her house. Her earnings are hardly enough to cover the food and household costs for the family of four.

In order to generate income, Dariko and her husband plan to start an additional business. With the loan amount, she will purchase a mini-bus which will mainly be used by Dariko’s husband on a mini-bus line. He will transport passengers from his district to a neighboring town and earn a daily income. Now is the high season for citrus harvest, so Dariko and her spouse will also use the mini-bus for making citrus deliveries. They will save on transportation costs and generate good income from the agricultural business as well.

Dariko hopes this family initiative will be lucrative and be able to increase their funds. Dariko and her family members are waiting for 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
  • 42
    View loans »
    Georgia Loans Fundraising
  • $8,567,900
    Funds lent in using Kiva
  • 1.7
    Georgia Lari (GEL) = $1 USD

Success!! The loan was 100% repaid

A loan of $2,100 helped Dariko to buy a mini-bus for her husband to start working on a mini-bus line.
100% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Oct 24, 2013
Nov 25, 2013
Currency Exchange Loss:
Nov 20, 2014