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Flora is 54 years old. She lives in a village of Gardabani District, East Georgia. Flora is married and lives with her family - her husband, Massim, their two children (10 and 9 years old), and her mother-in-law. Flora works as a nurse in the village. Along with her main job, she is actively involved in a family agricultural business, which is the main source of the income for the family. In particular, the family has a small dairy farm with three milk cows. Flora produces cheese and sells it in the village. Also, she grows greens on a family-owned plot of land. Harvested greens are sold to local green grocer retailers. The total average monthly income of the family is 350 Laris.

Flora requested credit for purchasing an additional two milk cows. She will increase production and sale of cheese by 60% and the income of the family will increase on average by 300 Laris. She will use the increased income for purchasing additional household goods for improving the family'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
  • 35
    View loans »
    Georgia Loans Fundraising
  • $8,323,400
    Funds lent in using Kiva
  • 1.7
    Georgia Lari (GEL) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,825 helped Flora to purchase two milk cows.
100% repaid
Repayment Term
17 months (Additional Information)
Repayment Schedule
Mar 1, 2012
Apr 9, 2012
Currency Exchange Loss:
Jun 17, 2013