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Eter is from the village Zeda Sazano, West Georgia. She is 61 years old. Eter lives alone. She earns her living through agricultural activities. In particular, she owns two milk cows. She uses milk for cheese production and sells cheese in the village. Along with the dairy farm, Eter owns one hectare of land of which 0.4 hectare is used for maize growing. On the remaining 0.6 hectares of land, Eter grows vines. She sells harvested maize and grapes locally in the village. Her total average income is 180 Laris per month.

Although Eter works hard during the whole day, her income is still not enough to save money for house renovation. Her house is already old, in bad condition and needs renovation. Eter has requested credit for the renovation of her house. This will allow her to improve her living conditions and enjoy a well-deserved rest in the evening hours, after hard work during the daytime.

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 Housing Loans

Many poor families cannot afford housing that meets their needs. When you make a housing loan on Kiva, you give people access to flexible capital to obtain or improve their homes. Better housing means better health, sanitation, and even educational outcomes for children. A house can also be much more for entrepreneurs who run businesses out of their homes. In this way, housing and small business loans on Kiva share a common purpose: to alleviate poverty and enable families to enjoy more stable lives.

About Georgia

  • $6,100
    Average annual income
  • 35
    View loans »
    Georgia Loans Fundraising
  • $7,908,800
    Funds lent in using Kiva
  • 1.7
    Georgia Lari (GEL) = $1 USD

Success!! The loan was 100% repaid

A loan of $625 helped Eter to purchase materials for house renovation.
100% repaid
Repayment Term
15 months (Additional Information)
Repayment Schedule
Oct 27, 2011
Nov 12, 2011
Currency Exchange Loss:
Dec 15, 2012