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Naira is 59 years old and lives in a small village in Martvili district. She lives with her mother and her 23-year-old daughter. Naira’s mother is provided with a retirement pension. Her daughter has chronic health problems and gets a relevant pension from the local government.

She had to deal with great difficulties throughout her life, but her determination to get ahead has always allowed her to overcome them and continue progressing with her family. Naira earns her living through an agricultural business. In particular, she has a plot of land where nuts are grown. She runs a dairy business as well. Naira has 2 milking cows and a calf. She produces cheese and sells it at the local open market. Naira sells nuts and laurel leaves locally too. Besides her business, she works as a family doctor and gets a monthly salary. She is very hardworking, but still doesn’t make enough savings to expand her agricultural business.

Naira requested a loan to expand her nut business. With this loan she will be able to purchase nuts locally, which will be sold for a good price. This will increase the income of the family. She will reinvest the additional earnings to expand her business and make it more profitable. Naira 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
  • 50
    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 $925 helped Naira to expand her nut business.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Aug 3, 2012
Aug 23, 2012
Currency Exchange Loss:
Jun 17, 2013