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Natia is 26 years old. She is married and lives in a small village of Kareli District with her family: her husband – Sergo, their 1-year-old daughter, her parents-in-law, her brother-in-law, and the grandmother of her husband, who is a pensioner. Her husband and brother-in-law serve in the army and get a monthly salary. Natia and her parents-in-law run the family agricultural business with two milk cows, three calves and two pigs. They produce cheese and sell it on the local open market. The family owns a plot of land as well, where maize, haricot beans, apples, cherries and pears are grown. They work hard on their plot during the spring and summer seasons to get a good harvest. They sell harvested product on the local open market.

Natia requested a loan for purchasing calves. She plans to grow them and sell them after several months. Grown calves will be sold for a good price. This will increase the income of the family. With increased income she will be able to reinvest in the family agricultural business to expand it and make it more profitable. As a result, Natia will be able to create better living conditions for her 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
  • 45
    View loans »
    Georgia Loans Fundraising
  • $8,648,750
    Funds lent in using Kiva
  • 1.7
    Georgia Lari (GEL) = $1 USD

Success!! The loan was 100% repaid

A loan of $925 helped Natia to purchase calves.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Jul 13, 2012
Jul 23, 2012
Currency Exchange Loss:
May 17, 2013