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Ninela is from Senaki district, West Georgia. She is 65 years old and lives with her husband Shukri. Shukri works as a teacher and gets a monthly salary. Both Ninela and Shukri are provided with a retirement pension. Ninela is involved in the agricultural business. In particular, she owns a plot of land, where nuts are grown. In addition, Ninela runs a small dairy farm and has a milk cow. She milks the cow twice a day and produces cheese. She sells her agricultural products at the local open market. Ninela is a very hard-working woman, with a rich experience in her work.

She requested a loan to put roofing on the house and repair her bathroom. The existing roof is damaged and drops water and the bathroom is uncomfortable. With this loan, she will purchase building materials. Ninela will improve the living conditions of her family. She awaits your support.

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 Housing Loans

Many poor families cannot afford housing that meets their needs. When you make a housing loan on Kiva, you give people access to flexible capital to obtain or improve their homes. Better housing means better health, sanitation, and even educational outcomes for children. A house can also be much more for entrepreneurs who run businesses out of their homes. In this way, housing and small business loans on Kiva share a common purpose: to alleviate poverty and enable families to enjoy more stable lives.

About Georgia

  • $6,100
    Average annual income
  • 43
    View loans »
    Georgia Loans Fundraising
  • $7,796,600
    Funds lent in using Kiva
  • 1.7
    Georgia Lari (GEL) = $1 USD

Success!! The loan was 100% repaid

A loan of $975 helped Ninela to put roofing on the house and repair her bathroom.
100% repaid
Repayment Term
17 months (Additional Information)
Repayment Schedule
Sep 5, 2012
Sep 14, 2012
Currency Exchange Loss:
Jan 18, 2014