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Zoya is from the village of Akhasheni, Gurjaani District. This district is well-known throughout the country for wine-making. Zoya is 60 years old, married and lives with her husband Dimitri. Both family members are retired.

Zoya and Dimitri purchase grapes and make vodka. Vodka is sold locally in the village. They have 8 years experience in this business. Zoya requested credit to purchase grapes. Zoya and Dimitri will produce vodka and sell it in the winter months. The total average income of the family is 700 Laris (420 USD) per month including their pensions. After making the vodka the family will get income, which will be used to finance their daily expenses.

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
  • 50
    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 $1,225 helped Zoya to purchase grapes for vodka production.
100% repaid
Repayment Term
18 months (Additional Information)
Repayment Schedule
Sep 26, 2011
Oct 14, 2011
Currency Exchange Loss:
Jan 15, 2013