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Guliko is 62 years old. She lives in a small village in the Baghdati district with her large family: her husband, daughter, son, daughter-in-law and two grandchildren.

Guliko is provided with a retirement pension, and the family runs an agricultural business. In particular, they have a vineyard of 300 vine tree saplings. They pick the grapes and produce wine which is sold locally. Besides that, Guliko owns a grain mill which serves local farmers by crushing their grain. She earns a service fee during the whole year.

Guliko is a very hardworking woman, with a rich experience in her work. She requested a loan to purchase a milking cow. She will produce milk products and sell the milk locally at a good price. It will significantly increase the income of the family. The increased income will improve the family's business and 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
  • 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 $625 helped Guliko to purchase a milking cow.
100% repaid
Repayment Term
18 months (Additional Information)
Repayment Schedule
Oct 29, 2012
Nov 11, 2012
Currency Exchange Loss:
Mar 17, 2014