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Manana is a fifty-nine-year-old farmer from the village of Kursebi, West Georgia. She lives in the village with her husband Nugzar. Their main source of income, along with Nugzar’s pension, is the family's agricultural business. They have a small dairy farm with four milk cows and two calves. Manana produces traditional Georgian cheese and sells it on the local market. Also, the family is busy with bee-keeping. They have ten beehives with bee-families. They sell the honey they gather on the local market as well. The total average monthly income of the family is 700 Laris per month.

Manana requested credit to expand the bee-keeping business. She will purchase 8 – 10 beehives with bee-families and double the amount of honey they gather and sell. It will increase the income of the family. Manana plans to use the increased income to purchase household goods, in order to improve their 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
  • 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 $1,225 helped Manana to purchase bee-hives and bee-families.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Feb 9, 2012
Feb 12, 2012
Currency Exchange Loss:
Jan 15, 2013