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Gulnazi, 47, is from the village of Ninotsminda in the Kakheti region. She is married and lives with her husband, Malkhaz, and their 24 year old son. Gulnazi and Malkhaz are leading the family agricultural business. They own two milk cows and sell dairy products (mainly milk and yogurt) in the village. The family also grows maize on a 1.2 hectare piece of land, which is sold in the local market as well.

Gulnazi has requested a loan for sowing wheat. She will use part of the loan to purchase the wheat and part to pay the workforce which will help them on the plot in the cultivation and sowing process.

Gulnazi will sell wheat locally and she will use this additional income for the well-being of her family.

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
  • 51
    View loans »
    Georgia Loans Fundraising
  • $8,637,875
    Funds lent in using Kiva
  • 1.7
    Georgia Lari (GEL) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,525 helped Gulnazi to purchase wheat for sowing and to pay the workforce which will help her on the plot.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Sep 7, 2011
Sep 17, 2011
Currency Exchange Loss:
Jul 15, 2012