A loan of $575 helped to purchase cow and start dairy farming.


Madona's story

Madona is a 43-year-old married woman from village of Gumati, in the Tskhaltubo district. She lives with her husband who earns a fixed income working at a private company. His 385 GEL monthly salary is the only significant income for family. Madona takes care of their apple orchard but they use the produce for the family only. She has a great desire to start dairy farming.

Madona is requesting a loan to purchase a milk cow to produce milk to sell locally. Her loan was approved through the framework of a joint Kiva and Credo start-up initiative that gives rural poor people the chance to start or re-start businesses. Madona’s loan will give her a chance to earn income and become financially independent. She hopes that her loan with the start up program will help her to save money and expand her business in the future.



Loan details


Lenders and lending teams



Loan details