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Nairi is 35 years old; she lives in a small village with her family: her husband David, parents-in-law and two daughters. The family runs an agricultural business. They have milk cows and every day they actively produce cheese, curds and other dairy foods. They have a lot of customers in nearby villages because everyone knows that their products are of good quality. The family is also busy with farming. They have a plot of land where potatoes are grown. The family sells harvested product as well as dairy food on the local open market. Total average monthly income of the family is 700 Lari.

Nairi requested a loan for financing seasonal works on the plot. With this loan, she plans to purchase fertilizer and fuel for a tractor to till the land. After tilling and fertilizing, Nairi and other family members will sow potatoes and will work hard during spring and summer seasons to get a good harvest. As a result of the properly done seasonal works, the family will get a better harvest and will be able to sell it at a good price. With increased amount of profit the family will have better living conditions. Nairi hopes for your help and kindness.

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
  • $7,796,600
    Funds lent in using Kiva
  • 1.6
    Georgia Lari (GEL) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,250 helped Nairi to purchase fuel and fertilizer.
100% repaid
Repayment Term
17 months (Additional Information)
Repayment Schedule
May 10, 2012
May 30, 2012
Currency Exchange Loss:
Sep 17, 2013