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Nino is 33 years old. She is married and lives in a small village of Telavi District with her family: her husband Mikheil and her parents-in-law. The family runs an agricultural business. They have a milking cow and produce yogurt. They sell yogurt on the local open market and in nearby villages usig their own car. Also, they have a vineyard and produce wine. Along with agricultural activities, Nino works as an accountant and gets a service fee for the work. Mikheil is an engineer of medical equipment/techniques and earns additional income for the family. Nino’s mother-in-law is a teacher. She teaches in the village school and gets a monthly salary.

Nino requested a loan to install a gas tank in the family car. This will decrease the cost of transportation and will increase the income of the family. With the increased income she will be able to finance the education of her child. As a result of Kiva loan the family will have better living conditions.

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
  • $7,812,050
    Funds lent in using Kiva
  • 1.7
    Georgia Lari (GEL) = $1 USD

Success!! The loan was 100% repaid

A loan of $925 helped Nino to install a gas tank in the car.
100% repaid
Repayment Term
17 months (Additional Information)
Repayment Schedule
Jul 6, 2012
Jul 23, 2012
Currency Exchange Loss:
Nov 18, 2013