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Ina is 34 years old, married and the mother of four school age children. The family lives in the village of Gamdlistskaro and runs an agricultural business to earn a living. Ina breeds six milk cows and produces dairy products, cheese and butter, with the milk. She sells the cheese and butter in the capital city open market. She works hard to feed her children but her earnings often are not enough to cover her costs.

In order to generate income, Ina and her husband decided to start a business. Ina’s relative advised them to serve tourists by car and transport them in mountainous regions of Georgia in return for a service fee. Their relative will also connect Ina’s husband to tourists and help him in communication. For this reason, the family decided to apply for the credit and buy a secondhand car for Ina’s husband to start working as a driver. He will transport foreigners and generate income. The couple hopes their project will be successful and they will improve the standard of living for their children.
Ina awaits your generosity.

Additional Information

More information about this loan

This loan is part of Credo's startup loan program targeting particularly vulnerable clients who live at the subsistence level and have been unable to obtain credit due to lack of income from an existing business. This program offers them a longer repayment term and an annual interest rate that is 5% lower than the standard interest rate. By funding this loan, you are supporting a program that gives borrowers a second chance to start and grow small businesses. This has the potential to alleviate the effects of poverty, significantly improving borrowers' incomes and their families' quality of life. Learn more about Credo's startup loan program on the Kiva Blog.

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
  • 43
    View loans »
    Georgia Loans Fundraising
  • $7,796,600
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD
A loan of $3,000 helped Ina to purchase a car for her husband to work in the transportation business.
Repayment Term
27 months (Additional Information)
Repayment Schedule
Sep 28, 2013
Oct 28, 2013
Currency Exchange Loss:
Nov 27, 2013