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Neli is a 66-year-old woman. She lives in a small village of the Kaspi district with her husband, son, daughter-in-law and a grandchild. Neli’s husband works as a watchman locally and gets a monthly salary. The whole family is involved in agricultural business. In particular, they have two milk cows, whose milk is used in dairy products. Neli sells the dairy at the local open market. All members of the family work hard to improve their living conditions. Neli requested a loan to repair her house. She wants to make some improvements and repairs to her old house but the amount of money she has isn't enough, so she is requesting a loan to cover the costs of repairing the house such as changing windows, painting, etc. Taking this loan will create for Neli and her family suitable home conditions and enable them to enjoy living in their house.

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
  • 39
    View loans »
    Georgia Loans Fundraising
  • $8,073,000
    Funds lent in using Kiva
  • 1.7
    Georgia Lari (GEL) = $1 USD

Success!! The loan was 100% repaid

A loan of $625 helped Neli to renovate her house.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Nov 14, 2012
Dec 5, 2012
Currency Exchange Loss:
Jul 17, 2013