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Maya comes from the small village of Sujuna in Samtredia District. She is 36 years old and works as a doctor’s assistant in a local hospital. Maya is married and lives with her husband, Guram, her elderly father, five-year-old daughter and four-year-old son. The children go to kindergarten.

Along with Maya’s salary (300 Laris per month), the family’s other source of income is an agricultural business, which is led by Guram. The family owns a dairy farm with five milk cows and four calves. Milk is used for cheese production, which is sold by Guram on the local open market – approximately 100kg per month. Along with the dairy, Guram and Maya grow maize on two hectares of the family-owned land. Eighty per cent of the harvested corn is used in the farm for feeding the livestock and the remaining twenty per cent is sold on the local open market.

With thirty per cent of the requested credit, Maya and Guram will purchase fertilizers, which will increase the productivity of the land and thus the amount of harvested corn by twenty to thirty per cent. More corn will be sold on the market and the income of the family will increase. The rest of the funds will be used for bathroom renovation. Maya plans to use her increased income to renovate her house as it is already old and needs some repairs.

Additional Information

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
  • 44
    View loans »
    Georgia Loans Fundraising
  • $7,799,500
    Funds lent in using Kiva
  • 1.7
    Georgia Lari (GEL) = $1 USD

Success!! The loan was 100% repaid

A loan of $625 helped Maya to purchase fertilizers for maize growing and materials for bathroom renovation.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Jun 8, 2011
Jun 17, 2011
Currency Exchange Loss:
Jul 15, 2012