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Valia, age 27, is a dairy famer. She lives with her husband and their two small daughters in Nasaguri, East Georgia.

Valia is involved in agricultural activities. In particular, she has five milk cows. From their milk, she produces cheese and yogurt. Valia sells dairy products locally in an open market at a good price. She is a very hard-working young woman and has gained a great deal of valuable experience in her business.

She has requested a loan for purchasing a milk cow. Having an additional milk cow will allow her to produce more dairy products and thus increase her sales. This will significantly increase the income of the family, and they will be able to improve their living conditions.

Valia is grateful for 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
  • 39
    View loans »
    Georgia Loans Fundraising
  • $8,578,400
    Funds lent in using Kiva
  • 1.7
    Georgia Lari (GEL) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,400 helped Valia to purchase a milk cow.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Dec 6, 2012
Dec 17, 2012
Currency Exchange Loss:
Jul 17, 2014