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Julieta is 52 years old. She lives in a small village of Bolnisi District with her brother – Vitali. They earn their living through an agricultural business. They have a milking cow from which they produce cheese. Part of the milk and cheese are used by the family, and the rest is sold locally. Also, they have pigs and a plot of land, where various fruits are grown: peaches, apricots, cherries and water-melon. Julieta and Vitali are especially busy with the plot during spring and summer seasons in order to ensure a good harvest in late summer which they sell on the local open market. The total average monthly income of the family is 400 Lari

Julieta requested a loan to purchase a milking cow. She will be able to produce and sell more cheese. Thus, she wants to expand her business in order to earn a good profit. With the increased profits, she will be able to reinvest in her agricultural business, as well as spend more on the daily needs of the family. As a result of the above-mentioned activities the living conditions of the family will 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
  • 38
    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 $750 helped Julieta to purchase a milking cow.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Jun 19, 2012
Jun 24, 2012
Currency Exchange Loss:
May 17, 2013