JSC MFO Crystal is a dynamically growing local microfinance organization, supporting development of micro and small business sectors in Georgia. 

The mission of Crystal is to support micro entrepreneurs and smallholder farmers in realizing their business potential, reaching financial stability and elevating living standards. 

Crystal is seeking for long-term partnerships by offering transparent, innovative and fast financial solutions tailored to the needs of customers, providing them with the financial services critical to their economic success.

Our Core Corporate Values are: Responsibility, Transparency, Access, Partnership and Innovation. 

Crystal is mainly funded by international financial institutions, such as: FMO, EFSE, EBRD, KfW, Commerzbank, IFAD, responsAbility, MicroVest, DWM, Oikocredit, Incofin,  Symbiotics, MCE, Blue Orchard, Triple Jump, FSFS, BIBessen, Grameen Credit Agricole.

Crystal is a first Georgian microfinance institutions receiving international lending in 2003 and also obtaining international credit and social ratings. Crystal was announced as a winner in SMART Campaign’s international call for “Plain language loan contract for clients” (2011). Crystal also received the highest Platinum Award from MIX for its social performance reporting (2012). In 2013 MIX-Market rewarded Crystal with the most prestigious S.T.A.R. status of the industry (S.T.A.R. - Socially Transparent and Responsible).

Business Development

Credit

Venture Capital

JSC MFO Crystal

JSC MFO Crystal's headquarters in Kutaisi, Georgia

Ilia Revia

Zaali Melikia

Vladimer Zhorzholiani

Nino Jokhadze

This department manages the lending processes, assess risks, and provides mentorship to loan officers.

Loan Services

This department focuses on overseeing operational processes and coordinating various product segments within the agro business.

Operations and Coordination

This department oversees the planning, execution, and completion of projects, ensuring they align with organizational goals.

Project Management

This department oversees information technology infrastructure and internal auditing processes to ensure organizational effectiveness and security.

JSC MFO Crystal

Org chart

Teams

Loan Services

Operations and Coordination

Project Management

IT and Audit Services

Offices

JSC MFO Crystal

Org chart

Teams

Loan Services

Operations and Coordination

Project Management

IT and Audit Services

Offices

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