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Tsitsino lives in a small village in Khelvachauri District, West Georgia. She is married and lives with her husband, Nugzar, four children (13, 9, 8 and 2 years old) and parents-in-law (retired). The elder children go to school. The only source of the income for the family is agriculture. Tsitsino and Nugzar lead the family agricultural business. They have 0.4 hectare of land, where fruits and vegetables are grown. Harvested products are sold to local greengrocery retailers. The family also owns a milk cow. Tsitsino produces cheese and sells on average 10 kg of this product in the village. The total average monthly income of the family is 700 Laris, including the pensions of Tsitsino’s parents-in-law.

Tsitsino requested credit to purchase an additional milk cow. With two cows, Tsitsino will increase the production and sales of cheese by 150%. The income of the family will increase and the family will be able to spend more on satisfying the children's needs and financing their education.

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
  • 46
    View loans »
    Georgia Loans Fundraising
  • $8,648,750
    Funds lent in using Kiva
  • 1.7
    Georgia Lari (GEL) = $1 USD

Success!! The loan was 100% repaid

A loan of $600 helped Tsitsino to purchase a milk cow to expand the dairy farm.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Feb 8, 2012
Feb 11, 2012
Currency Exchange Loss:
Jan 15, 2013