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Nato is 69 years old: she lives in the small village of Terjola District with her husband, Zhironi, and her 20-year-old grandson. Nato and Zhironi are pensioners and earn their living through an agricultural business. Their grandson, Rati, helps them in the agricultural activities. The family owns two milking cows, a bull and a calf. They produce cheese every day which is sold at the local open market. The family owns a vineyard as well. They pick grapes in late summer and press wine which they sell in nearby villages. The total average monthly income of the family is 500 Lari.

Nato has requested a loan to purchase a milking cow. The family will be able to produce and sell more dairy food: cheese, curds and yogurt. They want to expand their business in order to earn a good profit. With increased profits, they will be able to reinvest in the family agricultural business, as well as spending more on the family's daily needs. As a result of these activities, the family's living conditions will be improved.

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
  • 35
    View loans »
    Georgia Loans Fundraising
  • $7,912,575
    Funds lent in using Kiva
  • 1.6
    Georgia Lari (GEL) = $1 USD

Success!! The loan was 100% repaid

A loan of $750 helped Nato to purchase a milking cow.
100% repaid
Repayment Term
15 months (Additional Information)
Repayment Schedule
Jun 20, 2012
Jun 27, 2012
Currency Exchange Loss:
Aug 17, 2013