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Rza, age 29, is from the Marneuli district. He is married and lives with his wife and infant child. Rza’s economic activity is his small food market, where he is a salesperson earning an average monthly income of $120 USD.

Rza is a very energetic young man who wishes to generate additional income to provide for the well being of his family members. He is requesting the loan to start an internet cafe in his town. Rza managed to save some money to purchase needed equipment, but now he needs additional money to add personal computers to his cafe. Rza hopes that his project will be lucrative, it should appeal to youngsters as the majority of local people still do not have personal computers and access to an internet connection at home. This loan will help Rza to earn money to improve the family's living conditions in the future. He awaits your support.

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
  • 39
    View loans »
    Georgia Loans Fundraising
  • $8,578,400
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $3,000 helped Rza to start an internet cafe.
100% repaid
Repayment Term
27 months (Additional Information)
Repayment Schedule
Oct 31, 2013
Nov 25, 2013
Currency Exchange Loss:
Dec 17, 2015