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Lia is a farmer from a village in Gardabani district, East Georgia. She is unmarried and lives with her 82-year-old mother. Lia is the only income provider for the family. She takes care of a milk cow and produces 20 kg of cheese per month on average. She sells it in the village to local dairy products retailers. Lia also grows maize on family-owned 1.5 hectares of land. She sells the harvested maize during the year in the village. The total average monthly income of the family is 350 laris, including the pension of Lia’s mother.

Lia requested credit to rent a tractor for tilling the land. She will sow the maize and work hard on the plot during the spring and summer to get a good harvest in late summer. She will sell the corn and use the profit for financing the family's daily needs.

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
  • 45
    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 Lia to pay for renting a tractor for tilling the land.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
May 4, 2012
May 19, 2012
Currency Exchange Loss:
May 17, 2013