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Lela is from the small village of Baghdati district. She is 40 years old and lives with her husband, mother-in-law and two children (12 and 19 years old). The elder child is a student and the younger one goes to the local school. Lela’s mother-in-law is provided with a retirement pension. The family is involved in an agricultural business. Specifically, they have a vineyard and do all the relevant seasonal work to ensure a good harvest. They pick the grapes and produce wine and vodka. In addition, Lela runs a small dairy farm: she has 2 milk cows whose milk is used in cheese products. Lela also owns a nut garden and a plot of land where maize is grown. Lela sells her agricultural products: cheese, nuts, maize, wine and vodka at the local market. She is a very hard-working woman, with a rich experience in her work.

Lela has applied for this loan to increase the number of cattle. With the requested loan she plans to purchase additional milk cows. This will allow Lela to receive more milk for her dairy and increase the sales. This will give her an opportunity to improve her family's living conditions and finance the education of her children. Lela 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 Georgia

  • $6,100
    Average annual income
  • 38
    View loans »
    Georgia Loans Fundraising
  • $7,931,175
    Funds lent in using Kiva
  • 1.6
    Georgia Lari (GEL) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,350 helped Lela to purchase milk cows.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Sep 7, 2012
Sep 26, 2012
Currency Exchange Loss:
Oct 17, 2013