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Tinatin is 27 years old. She is married and lives in a small village in the Sighnaghi District with her family: husband Mose, parents-in-law, grandmother, and two children (2 and 5 years old). The family members are busy with an agricultural business. They have a vineyard and a plot of land where various vegetables are grown, such as cucumbers, potatoes, tomatoes, and peppers. The family works hard on their agricultural land during the spring and summer seasons to get a good harvest. They pick grapes in late summer and produce wine. They sell harvested products and wine on the local open market. They also have milking cows and produce dairy products to sell on the local open market. Along with the agricultural business, they are busy with trading. They sell second-hand cloths in nearby villages.

Tinatin requested a loan to increase clothing stock. She will purchase seasonal clothes for resale. She will offer a wide assortment of the clothes to her customers and increase sales, and, consequently, her profit. She will reinvest part of the profit in the same business, and the other part will be used for improving family living conditions. Tinatin also plans to purchase piglets. She will raise them and sell them after several months with a price mark-up. Because of this, the living conditions of the family will improve.

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
  • 43
    View loans »
    Georgia Loans Fundraising
  • $8,648,750
    Funds lent in using Kiva
  • 1.6
    Georgia Lari (GEL) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,300 helped Tinatin to purchase seasonal clothes.
100% repaid
Repayment Term
15 months (Additional Information)
Repayment Schedule
Jul 20, 2012
Aug 12, 2012
Currency Exchange Loss:
Mar 15, 2013