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Eter is a 66-year-old widow. She lives alone in a small village of the Gurjaani district. Eter is busy with farming. She has a vineyard and a plot of land where maize is grown. She is especially busy in the spring and summer seasons in order to get a good harvest. She sells harvested grapes and maize on the local open market. Eter’s total average monthly income is 300 Lari. She works hard, but her income is hardly enough for food and for everyday expenses. She cannot make savings for purchasing additional needed household goods or renovation of the house.

Eter requested a loan for cultivation and fertilization of agricultural land. After properly done seasonal agricultural work, Eter hopes to get a larger and better quality harvest, which will be sold for a good price. This will increase her income. The increased income will be used to repair the house, because the existing one is old and uncomfortable. Taking into account the above-mentioned, Eter will be able to spend the winter in a warm house and won’t be afraid of snow and rain.

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 $625 helped Eter to cultivate and fertilize her agricultural land.
100% repaid
Repayment Term
17 months (Additional Information)
Repayment Schedule
Jun 20, 2012
Jul 9, 2012
Currency Exchange Loss:
Dec 15, 2012