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Nestani, age 45, is engaged in a family farm business. She lives with her husband, her parents-in-law (who are provided with a retirement pension) and her two children in Telavi District. Nestani’s husband works as a builder and provides his services to locals, transporting his materials with his own car. Their young son is a student and the daughter works as an accountant at the construction company.

With a small dairy farm consisting of a milk cow, Nestani produces and sells cheese every month to local dairy product retailers. The family also has a vineyard, producing wine that Nestani sells in the village.

Nestani is requesting a loan in order to purchase an additional vineyard. After properly completing their current agricultural efforts, the family will start to plant and harvest grapes on the new land. Nestani’s husband will be able to produce more wine and thereby increase the family's income from new wine sales.

The family will use their increased income to improve their 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
  • 38
    View loans »
    Georgia Loans Fundraising
  • $7,908,800
    Funds lent in using Kiva
  • 1.7
    Georgia Lari (GEL) = $1 USD

Success!! The loan was 100% repaid

A loan of $675 helped Nestani to purchase a vineyard.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Jan 18, 2013
Jan 21, 2013
Currency Exchange Loss:
Feb 17, 2014