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Khatuna, 32 years old, is from the Khoni district of West Georgia. She lives with her husband and two children (5 and 7 years old). Her husband works locally as a joiner and earns a monthly income. The family is involved in an agricultural business. In particular, they run a small dairy farm and use the cows' milk in cheese products. The cheese is sold at the local open market. Khatuna also grows nuts on the family-owned land and sells the harvested products for a good price. She works hard to do her best for her family.

Khatuna wants to make some improvements and repairs to her old house, but does not have enough money to do so. Therefore, she is requesting a loan to cover the costs of house repairs, such as changing windows, painting, etc. This loan will enable Khatuna and her family to have suitable home conditions and to enjoy living in their house.

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 Housing Loans

Many poor families cannot afford housing that meets their needs. When you make a housing loan on Kiva, you give people access to flexible capital to obtain or improve their homes. Better housing means better health, sanitation, and even educational outcomes for children. A house can also be much more for entrepreneurs who run businesses out of their homes. In this way, housing and small business loans on Kiva share a common purpose: to alleviate poverty and enable families to enjoy more stable lives.

About Georgia

  • $6,100
    Average annual income
  • 28
    View loans »
    Georgia Loans Fundraising
  • $8,567,900
    Funds lent in using Kiva
  • 1.7
    Georgia Lari (GEL) = $1 USD

Success!! The loan was 100% repaid

A loan of $725 helped Khatuna to renovate her house.
100% repaid
Repayment Term
18 months (Additional Information)
Repayment Schedule
Nov 6, 2012
Nov 19, 2012
Currency Exchange Loss:
Apr 16, 2014