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Gulnara is 57 years old. She is a widow who lives alone in the Terjola district. She has had to deal with great difficulties throughout her life, but her determination to get ahead has always allowed her to overcome them.

She earns her living dairy farming, with three milking cows from which she produces and sells cheese. Gulnara owns five calves as well. She is a very hard-working woman and takes good care of her livestock. She also works on a poultry farm and gets a monthly salary. Gulnara works hard but still doesn’t have enough income to save and improve her living conditions. Her total average monthly income is 200 Gel, which is hardly enough for food and everyday expenses.

Gulnara has requested a loan to repair her house, which is old and damaged. She will purchase building materials and after repairing the house she will be able to change her living conditions and spend her evenings, after a hard day of work, in a more comfortable environment. Gulnara 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 Georgia

  • $6,100
    Average annual income
  • 46
    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 $800 helped Gulnara to repair her house.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Aug 7, 2012
Aug 18, 2012
Currency Exchange Loss:
Sep 17, 2013