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Nino is 36 years old. She is married and lives in a small village of the Gardabani district with her family: her husband, Nikoloz, her mother-in-law, a pensioner, and two children.

Nino and Nikoloz earn their living through an agricultural business. They have beehives with bee colonies. They make ecologically clean honey and sell it on the local open market. Also, they have three milking cows and produce dairy products, mainly cheese and curds. Nino sells them in nearby villages. The total average monthly income of the family is 1,000 GEL.

Nino and Nikoloz requested a loan for purchasing beehives with bee colonies and one more milking cow. With the increased number of cows and bees they will be able to produce more dairy products and honey. This will increase the sales from their business. As a result of the increased income, the family will be able to repair the house and finance their children’s studies. It will positively affect 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
  • 38
    View loans »
    Georgia Loans Fundraising
  • $8,314,800
    Funds lent in using Kiva
  • 1.6
    Georgia Lari (GEL) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,850 helped Nino to purchase beehives with bee colonies.
100% repaid
Repayment Term
17 months (Additional Information)
Repayment Schedule
Jun 4, 2012
Jun 16, 2012
Currency Exchange Loss:
May 17, 2013