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Zaira is 49 years old, widowed, and from the village of Gamarjveba. She lives with her retired parents and grown son. The family earns a living through agricultural business, and breeds a milk cow and ten pigs. Zaira produces cheese with the received milk, and sells it locally. In wintertime, the family will sell the pork and generate income.

Now, Zaira is requesting the loan to purchase broiler chicks and start a poultry farm. The part of the credit will be used for buying feeding for chicks. After 45 days, Zaira will sell chickens for a good price, and invest the funds in the next cycle.

The family will have additional source from poultry farming, and they will be able to increase their daily spending.

Zaira hopes for your generosity.

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
  • 48
    View loans »
    Georgia Loans Fundraising
  • $8,648,750
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $3,000 helped Zaira to purchase broiler chicks and start a poultry farm.
100% repaid
Repayment Term
21 months (Additional Information)
Repayment Schedule
Sep 23, 2013
Oct 18, 2013
Currency Exchange Loss:
Sep 17, 2014