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Tsitsino lives in the village of Sartichala, Gardabani District, East Georgia. She is 49 years old and lives with her three sons who are 20, 18 and 14 years old. Her youngest son goes to school and the elder ones work in the Ministry of Defense for the country. They get salaries, which are important sources of income for the family.

Tsitsino has a milk cow. She produces cheese and sells on average 20 kg of it locally to dairy-product retailers. Now she requested credit to purchase a second milk cow. She will double the amount of produced and sold cheese and thus increase her income by 100%. She will use her increased income for purchasing new household goods to improve the living conditions of the family.

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
  • 42
    View loans »
    Georgia Loans Fundraising
  • $8,073,000
    Funds lent in using Kiva
  • 1.7
    Georgia Lari (GEL) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,225 helped Tsitsino to purchase a milk cow.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Oct 11, 2011
Oct 23, 2011
Currency Exchange Loss:
Nov 15, 2012