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Nani lives in Tskaltubo District. She is fifty-three years old and is a widow. Nani lives with her big family: her thirty-two-year-old daughter, her son-in-law, mother-in-law and two grandchildren. Her grandson works as driver in a local company. Nani leads the agricultural business of the family. She has four milk cows. Nani produces on average 80 kg of cheese per month. She sells it on Tskaltubo open market to local dairy products retailers. Along with the above mentioned the family owns a vineyard with 500 vines. Nani and her son in law produce wine and sell it on the same market. The total average monthly income of the family is 700 Laris, including the pension of Nani’s mother-in-law.

Nani requested credit to purchase bulls. Nani will take wood from the forest with the assistance of the bulls. She will sell the wood in the village. The people in the village use the wood to heat the oven during winter months, as it is the only way of heating the house.

The income of the family will increase and they will be able to improve their 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
  • 50
    View loans »
    Georgia Loans Fundraising
  • $8,096,850
    Funds lent in using Kiva
  • 1.6
    Georgia Lari (GEL) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,250 helped Nani to purchase bulls.
100% repaid
Repayment Term
17 months (Additional Information)
Repayment Schedule
May 8, 2012
May 19, 2012
Currency Exchange Loss:
Sep 17, 2013