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Natela is 56 years old. She is married and lives in a small village in the Terjola District with her husband, Bezhan, and her 24-year-old son.

Bezhan is a pensioner and her son works in construction, earning a service fee for his work. However, the family primarily earns a living through agricultural activities. They have two milking cows and a calf. They produce cheese and sell it on the local open market. They also own a plot of land, where greens are grown and a vineyard is located. Bezhan and his son make wine in the autumn and sell it in nearby villages. The family’s total average monthly income is 500 Lari.

Natela has requested a loan in order to purchase an additional dairy cow and a piglet. With this purchase, she will be able to increase her milk production and make more cheese. In addition, she will raise and fatten the piglet, selling it in winter when the prices are high. These activities will increase the family’s income.

She plans to invest the profit in the family agricultural business, expanding it and making it more profitable over time. Taking everything into account, Natela expects the family’s living conditions to improve.

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
  • $8,091,775
    Funds lent in using Kiva
  • 1.6
    Georgia Lari (GEL) = $1 USD

Success!! The loan was 100% repaid

A loan of $800 helped Natela to purchase a dairy cow and a piglet.
100% repaid
Repayment Term
17 months (Additional Information)
Repayment Schedule
Jun 6, 2012
Jun 19, 2012
Currency Exchange Loss:
Feb 15, 2013