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Nora is 63 years old and lives with her husband in the village of Nakhakhulevi. Both of the family members receive retirement pensions. Nora and her husband are involved in a small scale dairy business. In particular, they own three milk cows and produce cheese which is sold locally. In addition, they grow nuts on family-owned land. According to the government's estimations, the family belongs in the vulnerable poor category, and they get monthly social assistance. Nora’s husband works as a watchman and also gets a small monthly salary.
Nora and her life partner work hard to save, but they still don’t have enough income to improve their living conditions. Nora is very grateful for Kiva lenders because, thanks to their help, she will be able to buy construction supplies such as cement, iron, sand, bricks, etc. She will be able to renovate her house and improve her quality of life. Nora and her husband can create suitable home conditions so that they can 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
  • 29
    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 $925 helped Nora to renovate her house.
100% repaid
Repayment Term
17 months (Additional Information)
Repayment Schedule
Feb 8, 2013
Feb 15, 2013
Currency Exchange Loss:
Mar 17, 2014