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Manana, 43, lives in a small village in the Senaki District with her parents and a brother. The family members earn their living through agriculture; they have two milking cows, five buffalo, two horses and two pigs. They produce cheese to sell on the local open market and sell piglets in nearby villages. They work hard throughout the day and take good care to their livestock.

In addition, they are busy with farming on their two-hectare plot of land, where maize and 300 nut trees grow which they harvest in late summer and sell locally. The family’s total average monthly income is 500 Lari.

Manana is requesting a loan in part to sow more maize to increase her harvest. The other part of the loan will be used for mowing. This will enable her to decrease dairy costs as she will make hay from the mowed grass to feed the cattle instead of buying it at a high price.

As a result of this Kiva loan, the family's income will increase which will enable Manana to better meet family members' daily needs and improve their living conditions. Manana hopes for your help and kindness.

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
  • 1.6
    Georgia Lari (GEL) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,225 helped Manana to cultivate land.
100% repaid
Repayment Term
15 months (Additional Information)
Repayment Schedule
May 29, 2012
Jun 12, 2012
Currency Exchange Loss:
Jul 17, 2013