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Nina is 57 years old. She lives in the village of Korkhi, South Georgia. Nina lives alone; she performs night-watch duties at a local school and receives a monthly salary of 80 GEL.

Nina's main source of income is agriculture. In particular, she has a milk cow, and she produces cheese and sells it at the local market. Along with the dairy farm, Nina is also busy growing potatoes. She sells the harvested vegetables in the village to retailers.

Nina requested credit for purchasing calves, piglets, and wood. Nina will feed calves and piglets during the winter months and sell them in spring for a higher price. She will use the wood to heat her house.

Nina plans to save some part of the received income for further development of potato growing, as this business has a high profit margin. Part of the income will be also used for purchasing additional household goods to improve Nina’s 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
  • 37
    View loans »
    Georgia Loans Fundraising
  • $8,323,825
    Funds lent in using Kiva
  • 1.7
    Georgia Lari (GEL) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,225 helped Nina to purchase calves and piglets and to purchase wood for warming the house.
100% repaid
Repayment Term
15 months (Additional Information)
Repayment Schedule
Nov 22, 2011
Dec 1, 2011
Currency Exchange Loss:
Jul 15, 2012