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Liana is a farmer from the village Disveli, East Georgia. She is 46 years old, married and lives with her husband, Tariel, and 3 children (24 and 23 year old daughters and a 22 year old son). Tariel works as a fireman in the district. He gets a monthly salary.

Liana is leading the agricultural farm for the family. In particular, the family owns a small dairy farm with 3 cows. Liana produces cheese and sells it locally to dairy product retailers. Along with the dairy farm, the family owns 3.5 hectares of land where wheat, maize and beans are grown. The family sells harvested products at the local market. The total average monthly income of the family is 800 Laris.

Liana has requested credit for start-up of a trade business with clothes. Liana and her daughters will purchase new clothes in Tbilisi (the capital city of the country), at the wholesale market, and sell them in the village from home. As Liana explained, there is no clothes store in their village or in nearby villages. According to Liana’s estimations, her new business initiative will be profitable. She will use the additional income to improve the family's living conditions.

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
  • 37
    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 $625 helped Liana to purchase clothes for resale in the village.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Dec 2, 2011
Dec 6, 2011
Currency Exchange Loss:
Dec 15, 2012