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Svetlana is 27 years old. She is married and lives with her husband, Ilgar, in Gardabani, East Georgia. Svetlana and Ilgar earn a living through agricultural activities. They own a dairy farm with six milk cows and sell milk and homemade cheese. Also, they grow broom material on a family-owned three hectares of land. Svetlana makes besom brooms and sells them at the local market. Total average monthly income of the family is 1,000 Laris.

Svetlana requested credit for purchasing up to ten calves. She will raise them during winter months and sell in late spring for a higher price. It will give additional income to the family, which will allow them to increase their spending to satisfy family needs and improve their living condition.

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
  • 40
    View loans »
    Georgia Loans Fundraising
  • $7,904,125
    Funds lent in using Kiva
  • 1.7
    Georgia Lari (GEL) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,825 helped Svetlana to purchase up to ten calves.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Dec 7, 2011
Jan 1, 2012
Currency Exchange Loss:
Jul 15, 2012