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Darejan is 59 years old widow woman, from village Kokhi. She lives with her daughter and 2 grandsons. The family has income from only agricultural activity. Particularly Darejan is extensively engaged in land cultivation, harvesting nuts, mandarin and walnut. She sells seasonally this products and generates small income. In order to start her own business and get some stable profit, she requested a loan. Darejan needs money for starting trading business, she will purchase stock of clothing at wholesale prices and will sell in increased price locally. With the help of this new business Darejan will make better life for her family and more effectively meet everyday expenses. She will get private orders and has her loyal costumers also. Darejan will be glad for giving her chance do her bit to the family's welfare.

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
  • 40
    View loans »
    Georgia Loans Fundraising
  • $8,314,800
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,000 helped Darejan to start trading business with clothing.
100% repaid
Repayment Term
15 months (Additional Information)
Repayment Schedule
Mar 21, 2014
Mar 26, 2014
Currency Exchange Loss:
Jul 30, 2014