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Nani is 43 years old. She lives in a small village of Tetritskaro District with her family: her two children (17 and 18 years old) and her mother-in-law, who is a pensioner. Both children study in the village school.

Nani is busy with agricultural business. She has a small dairy farm with 9 milk cows and 13 calves. She produces dairy food -- cheese, curds and yogurt -- and sells it in Tbilisi (capital of Georgia). Total average monthly income of the family is 900 Lari.

Nani requested a loan to purchase hay to feed the cows during the fall and winter seasons. Hay is cheap now, but the price increases by 30% to 40% in the fall months. Nani can significantly save on the costs of feeding the cows. Since the cows will be fed properly in winter, they will give a planned amount of milk to the family. The income of the family will increase accordingly. Thus, Nani will be able to increase her agricultural business and improve living conditions of the family.

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
  • 29
    View loans »
    Georgia Loans Fundraising
  • $8,567,900
    Funds lent in using Kiva
  • 1.7
    Georgia Lari (GEL) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,225 helped Nani to purchase hay to feed her cattle while it's cheap.
100% repaid
Repayment Term
17 months (Additional Information)
Repayment Schedule
Jul 12, 2012
Jul 22, 2012
Currency Exchange Loss:
Nov 18, 2013