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Janat is from the village of Kharataklia, Gardabani district, East Georgia. Janat is 55 years old, married and lives with her family: husband – Muradkhan, 28 year-old-son, daughter-in-law and 2 grandsons (2 and 3 years old).

Janat and Muradkhan are the income providers in the family. They run a family agricultural business. They have 2 milk cows, 8 calves and 25 sheep. Janat produces cheese and sells it locally. Domestic animals (lambs, calves) are also sold locally. Her son is temporarily unemployed; her daughter-in-law is a housewife.

Janat requested credit to purchase feed for domestic animals for the winter months. She will feed them well during the winter months and will get good quality dairy products. Also, in spring she will sell lambs and some of the calves. After selling dairy products and domestic animals for a good price the family will make a profit which will be used for the family well-being. Janat will also reinvest part of the profit in the family farm to expand it.

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
  • 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 $1,825 helped Janat to purchase feed for domestic animals.
100% repaid
Repayment Term
15 months (Additional Information)
Repayment Schedule
Sep 27, 2011
Oct 14, 2011
Currency Exchange Loss:
May 15, 2012