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Naira is 52 years old. She lives in a small village in East Georgia with her three children, daughter-in-law and two year old grandson. One of the sons works in the State Department, the other son works in a private company and the daughter is a teacher in the village school. Naira is busy with agricultural activities. In particular, she is busy with cattle breeding and she has two milking cows, three calves and two pigs. Naira milks cows twice a day and produces yogurt. She sells milk and yogurt to the local population.

Naira requested a loan for purchasing food for cattle and to repair the cattle shed. She will purchase hay, which will be used for feeding the cows during the fall and winter seasons. Hay is cheap now and the price increases by 30-40% in the fall months. Naira significantly saves on the costs of feeding the cows. Since the cows will be fed properly in winter, they will give a planned amount of milk to the family. Naira also will repair the cattle shed. In a new cattle shed she will be able to keep more livestock and take good care of them. This will help her to increase her agricultural business and improve living conditions of the family.

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
  • 37
    View loans »
    Georgia Loans Fundraising
  • $7,802,825
    Funds lent in using Kiva
  • 1.6
    Georgia Lari (GEL) = $1 USD

Success!! The loan was 100% repaid

A loan of $925 helped Naira to purchase feed for the cattle and repair the cattle shed.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
Jul 10, 2012
Jul 13, 2012
Currency Exchange Loss:
Jun 17, 2013