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Lia comes from village Kakabeti, Kakheti Region. She is 45 years old and lives with husband David, their 19-year-old daughter (a student) and her parents-in-law. Lia works in a local school as a deputy director. Besides her regular job, she takes part in the family agricultural business, which is the main source of income for the family.

Lia’s family owns agricultural land, where melons (1 hectare), grapes (1.5 hectares) and Lucerne (alfalfa, 5 hectares) are grown. Melons and grapes are sold to fruit wholesalers and Lucerne is sold to the neighbor farmers, who use it for feeding their livestock. Along with the above-mentioned, Lia and David run a sheep-breeding farm, which consists of 40 sheep and lambs. They sell lambs in the spring season. The total average monthly income of the family is 750 Laris, including the pension of Lia’s parents-in-law.

Though the family has quite a strong farm, they still are faced by lack of cash for financing seasonal costs. Because of this, Lia requested a loan for mowing Lucerne (to hire special mowing machinery) and purchasing fertilizers for their melon garden. Mowed Lucerne will be stored and sold. After fertilizing the land, the family will get more harvest and thus more income from sales.

The increase in income will be used for financing Lia’s daughter’s education in high school.

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
  • 52
    View loans »
    Georgia Loans Fundraising
  • $8,643,950
    Funds lent in using Kiva
  • 1.7
    Georgia Lari (GEL) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,225 helped Lia to hire a mowing machine and purchase fertilizers for melon garden.
100% repaid
Repayment Term
11 months (Additional Information)
Repayment Schedule
Jun 10, 2011
Jun 17, 2011
Currency Exchange Loss:
Apr 15, 2012