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Nino is from the village of Chaladidi, West Georgia. She is 47 years old and lives with her husband Gocha, who works as an artisan locally in return for a small service fee.

Nino is involved in an agricultural business. She owns a plot of land where she grows maize. In addition, she runs a small dairy farm and has milk cows. She milks them twice a day and produces cheese. She sells her agricultural products at the local open market.

Nino is a very hard-working woman, with a rich experience in her work. She has requested a loan to set up a grain mill. Her mill will serve the local farmers and grind their grain.

Gocha will work as a miller and generate income. The couple awaits your support.

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 $625 helped Nino to set up a grain mill.
100% repaid
Repayment Term
15 months (Additional Information)
Repayment Schedule
Sep 24, 2013
Oct 23, 2013
Currency Exchange Loss:
Oct 17, 2014