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Nino G. is 43 years old and a farmer. She lives with her 21-year-old son. Nino’s son serves as a contractor in the Georgian army. They live in the village of Sartichala, Kartli Region. Five years ago Nino started a farming business. She cultivates land and sows Lucerne (alfalfa). At the same time the family owns 2 milch cows. Nino sells the dairy products locally in the village. Her average monthly income is GEL 310.

With the borrowed 2,000 GEL Nino will cultivate her parcel and sow Lucerne. Nino plans to sell 75% of the harvested Lucerne on the market and, taking into account the current market price, she will earn GEL 1300. The reminding 25% of the Lucerne will be used for feeding her own cows. The income will be used for improvement of the family’s 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
  • 37
    View loans »
    Georgia Loans Fundraising
  • $8,314,800
    Funds lent in using Kiva
  • 1.7
    Georgia Lari (GEL) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,175 helped Nino seed of Lucerne (alfalfa seeds).
100% repaid
Repayment Term
17 months (Additional Information)
Repayment Schedule
Mar 14, 2011
Mar 17, 2011
Currency Exchange Loss:
Dec 15, 2011