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Zina is 33 years old. She is married and lives in a small village in the Samtredia District with her two sons (15 and 16 years old). They study in the local school.

Zina runs an agricultural business. She has a milking cow, produces cheese and sells it at the local open market. She also has a greenhouse, where greens are grown; she sells harvested greens to wholesalers. Zina owns 0.5 hectare of land, where maize is grown, which is used for family needs. In addition to her agricultural activities, she works in a beauty saloon and gets approximately 400 Lari for her work.

She works hard but still does not have enough income to put aside some savings to finance the studies of her children. The total average monthly income of the family is 800 Lari.

Zina requested a loan to change the glass in her greenhouse. This will enable her to sow more greens there over the entire year. The amount of harvested greens will increase and Zina will be able to earn more income. With the increased profit, she will finanace the education of her children.

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
  • $8,073,000
    Funds lent in using Kiva
  • 1.6
    Georgia Lari (GEL) = $1 USD

Success!! The loan was 100% repaid

A loan of $2,150 helped Zina to change the glass in the greenhouse.
100% repaid
Repayment Term
17 months (Additional Information)
Repayment Schedule
Jun 13, 2012
Jun 19, 2012
Currency Exchange Loss:
Feb 15, 2013