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Khatuna is 36 years old and lives in the village of Shashiani, Kakheti region. She is married and has two children (9 and 13 years old) and grandparents in her family. The children go to the local school, and her grandparents are provided with a retirement pension. Khatuna’s husband has a tractor and provides seasonal agricultural services to local farmers and gets a service fee for the work.

The family is involved in an agricultural business. They have a plot of land where strawberries and peaches are grown. Khatuna picks the fruit and sells locally. In addition, she has a vineyard and produces wine. Besides these activities, Khatuna runs a small dairy farm and owns a milk cow. She sells dairy products in her village.

She requested a loan to purchase an additional milk cow. She will milk the cow and produce more dairy products such as cheese, yogurt and curds to sell at a good price. Khatuna will be able to receive more milk and double the sales of the dairy production. This will increase the income of the family. With the increased income, Khatuna plans to expand her dairy farm and finance the education of her children.

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
  • 45
    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 $1,825 helped Khatuna to purchase a milk cow.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Sep 3, 2012
Sep 9, 2012
Currency Exchange Loss:
Apr 16, 2014