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Nino is from Khashuri district. She is 48 years old and lives with her large family: her husband, two sons, two daughters-in-law, four grandchildren and a father-in-law, a pensioner. Nino’s husband and the younger son work at Georgian Railway and receive monthly salaries.

Nino runs the family agricultural business. In particular, the family cultivates a plot of land where haricots and capers are grown. Besides that, the family is involved in the animal husbandry business and has a milk cow, a calf and two oxen. Nino milks the cow and produces dairy products which are sold at the local open market. She works hard to make some money for savings and to improve the family's living conditions.

Nino requested credit for expansion of the dairy farm. She will purchase an additional milk cow, doubling the amount of milk sold. The family will have more income and will be able to provide better care for their children, as well as improve the family's overall 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
  • 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 $625 helped Nino to purchase another milk cow.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Oct 8, 2012
Nov 4, 2012
Currency Exchange Loss:
May 17, 2014