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Rusudan is 65 years old and lives with her husband in the village of Mchadijvari. She and her husband run a small-scale dairy business; in particular, they produce cheese which they sell locally. The family’s income is supplemented by both the rent they receive from a flat they own in the capital city and her retirement pension.

Rusudan and her life partner work hard to save, but they still don’t have enough money to improve their living conditions. Rusudan is very grateful for Kiva lenders and Credo, as she has been offered a 2000 GEL loan that will allow her to buy construction materials such as cement, iron, sand, bricks, etc. In this way, the couple will be able to build a bathroom for her house.

With this loan Rusudan and her husband will upgrade their home so they can enjoy living in it and improve their quality of life.

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
  • 50
    View loans »
    Georgia Loans Fundraising
  • $8,637,875
    Funds lent in using Kiva
  • 1.7
    Georgia Lari (GEL) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,225 helped Rusudan to build a bathroom.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Feb 11, 2013
Feb 15, 2013
Currency Exchange Loss:
Mar 17, 2014