How to Use a PayBox and Meet Villagers in Georgia

I'm currently in Georgia, working with Kiva partner LLC Credo and photographing Kiva borrowers with successful start-up businesses here. Credo offers start-up loans to Georgians with the lowest incomes - families with small farms, and urban small businesses.  Credo has over 90 loans up on the Kiva site now - fund a loan to an entrepreneur in Georgia, or give a gift for the holidays!

Credo recently took me to Lagodekhi Georgia to meet Kiva borrowers, and attend a Village Day.  Lagodekhi is in east Georgia, next to a nature preserve and near the borders of Russia and Azerbaijan.  

On the way to Lagodekhi

That Kiva loan for a car might be to transport cabbages!

After 4 (or 5) wrong turns, we found town.

Entering Lagodekhi town

Because many farmers don't have access to financial services and even Credo's 39 branches aren't in every village in Georgia, Credo offers a variety of ways to stay in touch with their clients.

Enter the PayBox - these kiosks are all over Georgia, nearly on every corner.  You can pay just about any bill, top up your phone, or pay your Credo loan.  Assistant Kiva Coordinator Salome - who has been my awesome translator, sometimes tour guide and always lunch buddy - was happy to demo how to use it!  

Kiva Assistant Coordinator Salome demos how to use a PayBox

After meeting a borrower near town, we attended Credo's Village Day.  Loan officers visit villagers and hold an event where they answer questions and give out prizes.  Villagers can also consult with loan officers and fill out loan applications. Lagodekhi branch manager Levan told me they have just under 3,000 clients in the area, and 90% of them work in agriculture. Credo's start-up loans are successful here - many of those clients have relied on Kiva start-up loans to start their businesses.  

Kids crowd around the Credo tent at Village Day

For villagers with no credit history, Credo employs the expertise of a local Village Counsel - someone in the community who knows everyone in the village, who can help Credo decide on the loan.  Lagodekhi's Village Counsel is Nino (picutred, left) - currently Lagodekhi has no defaults on Kiva start-up loans, so Nino knows her villagers.

Nino, the Village Counsel, meets with potential borrower Lia

Credo also does community service on the Village Days, they brought appliances and food to a needy family in the area.  
Branch Manager Levan (2nd from left), Nino and Lagodekhi loan officers

On the way home, of course I had to stop and photograph these guys! 
Traditional and modern coexist in Lagodekhi

About the author

Liz Fish

Liz has over ten years experience as a television, film and event producer, creating compelling stories for TLC and ABC Family, and connecting filmmakers with resources for the HBO Comedy Festival. Liz has since pursued her love of photography, and has collaborated with her husband on projects since 2009. Liz's work is in the collection of the Santa Barbara Museum of Art, has been shown at Foley Gallery in New York, and her portraits of musicians Ben Harper and the band Wilco have been published in the Fretboard Journal. In 2011, Liz took a year-long trip to 13 countries over four continents, where she was inspired by hardworking and enterprising people everywhere, especially women. During that trip, Liz and her husband created over 30,000 images and a series of photos and video from transportation - from a bamboo train in Cambodia to a desert Jeep in Egypt. Liz earned a degree in Economics from the University of Colorado, and is excited to apply that background and learn firsthand about the impact of microfinance. As a Kiva Media Fellow, she is thrilled to document Kiva success stories in Eastern Europe and Central Asia, where she will be discovering the people of Ukraine, Georgia and Armenia for the first time.