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Maka is a 40-year-old married woman from Dzevera village, of the Gori district. She lives with her son. Other family members have lived abroad for 4 years.

Maka runs a small agricultural activity. She works hard on family-owned agricultural land, where apple and cherry trees are grown. She uses its products for local trading. Maka's only income is from seasonal activity, which is hardly enough to meet all of the basic needs. Her business needs some investment.

She requested a loan for expanding her agricultural business, to start dairy farming, to produce milk products and to sell it locally. Maka will earn a more stable income, will pay all household expenses freely, and will improve her family's living conditions. She relies on the goodwill of lenders and will greatly appreciate your help.

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
  • 40
    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 $2,300 helped Maka to start a dairy farming business.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Feb 11, 2014
Mar 1, 2014
Currency Exchange Loss:
Aug 17, 2015