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Ekaterine, who is 31 years old and a married woman, lives in the village of Dirbi. She has a husband, two school-aged sons and one infant. The family's significant source of income is from agricultural activity. Ekaterine and her husband work hard on family-owned agricultural land, where they cultivate beans, garlic and tomatoes. They sell harvested products locally and generate small monthly income.

To cover all daily costs and satisfy her family's increased needs, Ekaterine decided to start her own activity. With the requested loan she plans to purchase clothing at wholesale prices and sell at a higher price in her community. The loan will greatly assist Ekaterine and she will be able to improve her economic situation and give her family a better style of life. She 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
  • 28
    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 $600 helped Ekaterine to start a sales business with clothing.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Mar 11, 2014
Mar 13, 2014
Currency Exchange Loss:
Apr 17, 2015