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Khatia is 22 years old. She lives in the village of Idleti, Kaspi district. She has a husband and a 4 year-old son. Her husband works as a stone quarry worker and gets a monthly salary. The family runs an animal husbandry business. They own 2 milk cows, a calf, a pig and a horse. Khatia produces dairy products and sells in the nearby villages. Besides her dairy business, Khatia works as a nurse to get additional income. She is a very hard-working person, with a great desire to get ahead.
Khatia requested a loan for purchasing food for cattle. She will purchase hay, which will be used for feeding the cows during the fall and winter seasons. Hay is cheap now and the price increases by 30-40% in the fall months. Khatia significantly saves on the costs of feeding the cows. Since the cows will be fed properly in winter, they will give a planned amount of milk to the family. This will increase the family income and Khatia will be able to improve their living conditions.

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
  • 49
    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 $625 helped Khatia to purchase food for cattle.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Aug 7, 2012
Sep 3, 2012
Currency Exchange Loss:
Sep 17, 2013