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Zina is from the village of Tsveri, East Georgia. She lives with her husband Amiran.

Zina and Amiran earn their living through agriculture. They own 1.3 hectares of land, where tomatoes, cabbages, onions, haricot beans, cherries and berries are grown. They sell harvested products locally to greengrocery retailers. The total average income of the family is 1000 laris per month.

Zina and Amiran decided to start a dairy farm in addition to their other farming activities. Zina requested credit for construction of a cattle shed. After the harvest season, with the earned money they will purchase 2 milk cows. Zina will produce cheese and sell it on the local open market. The new business initiative will increase the income of the family by 30-40%. Zina and Amiran will improve their 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
  • 39
    View loans »
    Georgia Loans Fundraising
  • $8,578,400
    Funds lent in using Kiva
  • 1.6
    Georgia Lari (GEL) = $1 USD

Success!! The loan was 100% repaid

A loan of $925 helped Zina to purchase materials for cattle-shed construction.
100% repaid
Repayment Term
9 months (Additional Information)
Repayment Schedule
Aug 5, 2011
Sep 8, 2011
Currency Exchange Loss:
Feb 15, 2012