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Nino is 36 years old. She lives in Gardabani district with her 47-year-old husband, Merab. The main source of income for the family is farming. They have milk cows. Nino milks the cows to make dairy products which are sold locally at the markets and the family makes a small monthly income. In addition, Merab is working for a private company as a driver.

Nino requested a loan for purchasing calves. She plans to buy five calves at a good price, grow them and later sell them with a price markup. This will increase their income and Nino is planning to use the profit for renovating the cattle shed. The family income will grow and they will be able to 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
  • 39
    View loans »
    Georgia Loans Fundraising
  • $8,091,775
    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 purchase five calves.
100% repaid
Repayment Term
15 months (Additional Information)
Repayment Schedule
Feb 28, 2013
Mar 16, 2013
Currency Exchange Loss:
Apr 16, 2014