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Zaza, age 33, is from Batumi city. He is married and the father of four sons. His family has a small monthly income from their stationery store, which Zaza runs. He also offers printing service to his customers from his store. Zaza has been in this business for nearly a year and works as a salesperson himself. In order to generate income for his family's well being, Zaza plans to enlarge his business. He is requesting a loan to buy stock such as notebooks, pens, papers, rulers and other stationery items for resale. A part of the loan will be used for purchasing cartridge powder for printing. Zaza hopes that a Kiva loan will be helpful for his business and he will increase his income. Zaza and his family members hope to improve their standard of living in future.

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
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,200 helped Zaza to buy stationery items for resale and printer cartridge powder.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Nov 16, 2013
Nov 30, 2013
Currency Exchange Loss:
Jun 17, 2015