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Mortula, age 66, is engaged in a family agricultural business. She lives in the village of Tsotskhnara with her retired husband, her son, her daughter-in-law, and a 15-year-old grandchild who attends the local school.

The family is involved in the animal husbandry business and have three calves and two milk cows, whose milk is used in cheese products. In addition, Mortula grows nuts, haricots, maize, and strawberries on the family-owned land. She works hard to ensure a good harvest. She has gained rich experience in her work.

Mortula has requested a loan in order to purchase an additional calf and a milking cow. With this investment, she will be able to produce and sell more cheese. She intends to expand her business in order to earn a better profit. She will reinvest her profits into her agricultural business as well as being able to spend more on the family’s daily needs.

Her goal is to improve the living conditions of the family.

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
  • 40
    View loans »
    Georgia Loans Fundraising
  • $8,314,800
    Funds lent in using Kiva
  • 1.7
    Georgia Lari (GEL) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,225 helped Mortula to purchase a calf and a milk cow.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Jan 14, 2013
Feb 1, 2013
Currency Exchange Loss:
Mar 17, 2014