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Manana is from the small village of Sachkhere district. She is 48 years old and lives with her husband, two daughters, a son, a daughter-in-law, a mother-in-law and a granddaughter. The elder daughter works as a teacher at the local school and gets a monthly salary. Manana’s husband and son are tractor drivers and serve local farmers to get a service fee for the work. The family is involved in an agricultural business. In particular, they run a small dairy farm of two calves and two milk cows, whose milk is used for dairy production. Manana produces cheese, which she sells at the local market. In addition, they grow haricots and maize on family-owned land. Part of the harvested produce is sold at the local open market, and the rest is used for the family's needs. Manana works hard, but the family still doesn’t have enough income to save and use to improve their living conditions.

Manana has applied for this loan to increase the number of cows and renovate her house. With the requested loan she plans to purchase an additional milk cow. This will allow her to produce more milk from her dairy and increase her sales, which provide her main income. The rest of the money will be used for house renovation. Manana will purchase construction materials and repair the house, which is old and damaged. This will give her an opportunity to improve her family's living conditions. Manana 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
  • 48
    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 Manana to purchase a milk cow and renovate her house.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Sep 18, 2012
Sep 28, 2012
Currency Exchange Loss:
Aug 17, 2013