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Khatia is 21 years old and lives in a small village in the Khelvachauri district. She lives with her parents, grandparents and siblings. Her father Bondo is a taxi driver who serves local people with his own car. He is very sociable and that’s why he attracts a lot of clients. Her mother Naira does the housework and tries to do her best for the family. Khatia’s grandparents have a retirement pension. Her siblings are students.

Khatia is a state employee and gets a monthly salary. Besides this work, she is involved in sowing agricultural crops. She has a large plot of land by the house, where she grows citrus, fruit, and vegetables. She sells a variety of vegetables and fruit at the local open market. She is a hard working person who is responsible and very well known in the area for her big heart and friendliness toward others.

Khatia is asking for a loan to buy herbicide and insecticide to apply to her citrus garden. These materials will allow her to give it active care to prevent pests, to improve her crop production, and expand the agricultural business. Khatia and her family wish to increase their business further by selling more citrus and other agricultural products. With this loan Khatia will be able to raise the level of family’s living conditions and save some money for her University tuition. She awaits your support.

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
  • 52
    View loans »
    Georgia Loans Fundraising
  • $8,643,950
    Funds lent in using Kiva
  • 1.6
    Georgia Lari (GEL) = $1 USD

Success!! The loan was 100% repaid

A loan of $625 helped Khatia to purchase herbicide and insecticide for her citrus garden.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Jul 20, 2012
Aug 19, 2012
Currency Exchange Loss:
Feb 15, 2013