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Esma is 42 years old. She lives in the small village of Kobuleti district with her husband Nugzar and two children. Her husband has a tractor and gets some income while serving local people. The family is involved in agricultural activities. In particular, they have a plot of land, where maize, potatoes and mandarin trees are grown. Esma sells the harvested products locally. Esma and Nugzar work hard to insure a good harvest and they have rich experience in their business. Esma requested a loan for purchasing a milk cow and to build a shed. She plans to produce dairy products and sell them at the local open market. This will increase their income and Esma will be able to improve the living conditions of her children. She awaits 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
  • 50
    View loans »
    Georgia Loans Fundraising
  • $8,643,950
    Funds lent in using Kiva
  • 1.7
    Georgia Lari (GEL) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,225 helped Esma to purchase a milk cow and to build a shed.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Feb 6, 2013
Feb 11, 2013
Currency Exchange Loss:
Feb 17, 2014