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Nato is a 45-year-old married woman from the village of Maghlaki in the Tskhaltubo district. She lives with her daughter and parents-in-law. The family lives under poverty and gets social assistance of 100 GEL.

Agricultural activity is a significant source of income for family. Nato is engaged in breeding dairy cows, producing milk products, and cultivating a plot of agricultural land where greens are grown. She sells milk products and greens locally and generates some income.

For further development, her business needs some investment. Nato requested money for building a greenhouse in which to cultivate their vegetables and greens. She will expand her assortment of harvested products and will generate more income.

Nato will be grateful for the help Kiva lenders can provide as she can get a chance to better the living condition of her family. She 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
  • 51
    View loans »
    Georgia Loans Fundraising
  • $8,643,950
    Funds lent in using Kiva
  • 1.7
    Georgia Lari (GEL) = $1 USD

Success!! The loan was 100% repaid

A loan of $2,900 helped Nato to build a greenhouse.
100% repaid
Repayment Term
27 months (Additional Information)
Repayment Schedule
Feb 25, 2014
Mar 22, 2014
Currency Exchange Loss:
Sep 3, 2014