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Liana is from the village of Tkviavi. She is 48 years old and married with a grown son. The family has only seasonal income from agricultural activities. They have a garden where apples and peaches are grown, and a small plot of land for maize growing. The harvests are sold locally.

Liana and her family members live below the poverty line and get a small monthly social assistance from the local government.

It’s often difficult for the family to cover feeding costs, that is the reason why Liana decided to purchase a milk cow and start dairy business. Liana will produce cheese for selling as well as family consuming. This loan will be a great support for Liana’s family, as it will generate income.
Liana hopes your kindness

Additional Information

More information about this loan

This loan is part of Credo's startup loan program targeting particularly vulnerable clients who live at the subsistence level and have been unable to obtain credit due to lack of income from an existing business. This program offers them a longer repayment term and an annual interest rate that is 5% lower than the standard interest rate. By funding this loan, you are supporting a program that gives borrowers a second chance to start and grow small businesses. This has the potential to alleviate the effects of poverty, significantly improving borrowers' incomes and their families' quality of life. Learn more about Credo's startup loan program on the Kiva Blog.

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
  • 34
    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 $725 helped Liana to purchase a dairy cow to produce cheese for selling.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Sep 11, 2013
Oct 10, 2013
Currency Exchange Loss:
Oct 17, 2014