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Eter lives in the Gardabani District, East Georgia, with her 33-year-old son. Eter and her son earn their living through agriculture. They have a dairy farm with 3 milk cows. Eter produces cheese and sells it in Tbilisi. She takes cheese to the market once a week. They sell on average 50 kg of cheese per month. The total average monthly income of the family is 300 Laris, including Eter’s pension.

Eter requested credit for expansion of the dairy farm. She will purchase an additional milk cow, and will be able to produce 25% more cheese. Eter will sell additional cheese at the same market, where her product is quite popular among consumers. The income of the family will increase and they will be able 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
  • 48
    View loans »
    Georgia Loans Fundraising
  • $8,648,750
    Funds lent in using Kiva
  • 1.6
    Georgia Lari (GEL) = $1 USD

Success!! The loan was 100% repaid

A loan of $625 helped Eter to purchase a milk cow.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Apr 11, 2012
May 9, 2012
Currency Exchange Loss:
May 17, 2013