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Tsitsino is 44 years old. She is from the village of Nabakevi, West Georgia. She is married and lives with her husband, Longinoz, two sons (17 and 13 years old) and 69 year-old mother (retired). The boys study at school.

Tsitsino and Longinoz work on the family farm. The family owns 2 milk cows and 2 calves. They produce approximately 40 kg of cheese per month. It is sold at Samtredia open market. Along with the dairy, Longinoz also works on one hectare of family-owned land, where nuts and tomatoes are grown. On average, he sells 300 kg of nuts and 500 kg of potatoes per year.

The average monthly income of the family is 460 Laris per month, including Tsitsino’s pension, she gets from the state because of her health problems.

Tsitsino requested a loan for house renovations. She will purchase materials for the renovation. The biggest part of the renovation work will be done by Longinoz. The house will become more comfortable after the renovation and the living conditions of the family will improve.

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 Housing Loans

Many poor families cannot afford housing that meets their needs. When you make a housing loan on Kiva, you give people access to flexible capital to obtain or improve their homes. Better housing means better health, sanitation, and even educational outcomes for children. A house can also be much more for entrepreneurs who run businesses out of their homes. In this way, housing and small business loans on Kiva share a common purpose: to alleviate poverty and enable families to enjoy more stable lives.

About Georgia

  • $6,100
    Average annual income
  • 42
    View loans »
    Georgia Loans Fundraising
  • $8,567,900
    Funds lent in using Kiva
  • 1.7
    Georgia Lari (GEL) = $1 USD

Success!! The loan was 100% repaid

A loan of $625 helped Tsitsino to purchase materials for house renovation.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Jul 1, 2011
Jul 23, 2011
Currency Exchange Loss:
Aug 15, 2012