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Liana is 55 years old; she lives in a small village of Terjola District with her family: her son – George, her daughter-in-law and two grandchildren (1 and 3 years old). Her son works in the Security Police and gets a monthly salary; her daughter-in-law looks after her children and Liana is busy with the agricultural business. In particular, she has three milking cows and one pig. Liana milks the cows twice a day and produces cheese. Part of it is used by the family and the rest is sold locally.

In addition to her small dairy farm, she is busy with farming also. Liana owns a vineyard. She works hard on her plot to get a good harvest. In fall she picks grapes and sells them in Zestafoni, on the local open market. The total average monthly income of the family is 500 Lari.

Liana requested a loan to repair her house, because the existing one is old and uncomfortable. After repairing the house, the family will have better living conditions. They will be able to spend their evenings after hard working days in a more comfortable area. Liana 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 Housing Loans

Many poor families cannot afford housing that meets their needs. When you make a housing loan on Kiva, you give people access to flexible capital to obtain or improve their homes. Better housing means better health, sanitation, and even educational outcomes for children. A house can also be much more for entrepreneurs who run businesses out of their homes. In this way, housing and small business loans on Kiva share a common purpose: to alleviate poverty and enable families to enjoy more stable lives.

About Georgia

  • $6,100
    Average annual income
  • 34
    View loans »
    Georgia Loans Fundraising
  • $8,323,825
    Funds lent in using Kiva
  • 1.7
    Georgia Lari (GEL) = $1 USD

Success!! The loan was 100% repaid

A loan of $925 helped Liana to repair her house.
100% repaid
Repayment Term
15 months (Additional Information)
Repayment Schedule
Jun 29, 2012
Jul 16, 2012
Currency Exchange Loss:
Aug 17, 2013