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Mzia is 38 years old. She lives in a small village of Gardabani District with her 15-year-old son, who goes to the local school.

Mzia is busy with agricultural business. She has a small dairy farm with 2 milk cows and 6 calves. She produces cheese products and sells locally. The total average monthly income of the family is 250 Lari. Mzia works hard to put away some savings and ensure a better future for her son.

Mzia requested a loan to purchase hay to feed the cows during the fall and winter seasons. Hay is cheap now, but the price increases by 30% to 40% in the winter months. By buying now, Mzia can save significantly on the costs of feeding the cows. Because the cows will be fed properly in winter, they will give a planned amount of milk to the family, and the family's income will increase accordingly. Thus, Mzia will be able to increase her agricultural business and improve her family's 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
  • 46
    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 $1,225 helped Mzia to purchase hay to feed her cattle while it's cheap.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Oct 11, 2012
Oct 24, 2012
Currency Exchange Loss:
Nov 18, 2013