Financial Education

Our financial education section offers resources and information to help you learn more about personal finance and investing in order to achieve your financial goals.


A loan, similar to credit, refers to an amount of money that one person receives from another as a debt, with the understanding that it will be repaid within predetermined terms, along with additional interest charges. The specific terms of the loan are documented in a contract, which is signed by both the lender and the borrower, either in physical or electronic form (such as online agreements). It is worth noting that loans can be granted by financial institutions (such as commercial banks, microfinance organizations, and lending entities) as well as by individuals and entities not under the supervision of the National Bank. Furthermore, if an individual has loan obligations to more than 20 individuals, they are required to register with the National Bank of Georgia.

Typically, a financial organization provides a loan to a borrower with the expectation of receiving back more money than the amount initially provided. The additional sum paid by the borrower is known as interest.