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Vepkhia T. comes from Japana, a small village in the Guria Region. He is 44 years old, married and lives with his wife Tamar, nine- and 10-year-old sons and his mother. Agriculture is the only source of income for the family.

Vepkhia and Tamar run a small dairy farm with six milk cows and sell approximately 100 kg of traditional Georgian cheese per month in a nearby town. Also the family owns a 1.5 ha plot of land where vegetables, maize, and watermelon are grown. Harvested grain, fruits and vegetables are sold locally to wholesalers. From all the above-mentioned activities the family earns approximately 650 Laris per month.

With the requested credit Vepkhia plans to purchase fertilizers, watermelon seeds, and cultivate the land.

The income received from watermelon sales will be used for the renovation of their house.

Additional Information

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
  • 39
    View loans »
    Georgia Loans Fundraising
  • $8,094,625
    Funds lent in using Kiva
  • 1.7
    Georgia Lari (GEL) = $1 USD

Success!! The loan was 100% repaid

A loan of $975 helped Vepkhia to purchase fertilizers, watermelon seeds, and cultivate the land.
100% repaid
Repayment Term
15 months (Additional Information)
Repayment Schedule
Mar 30, 2011
Apr 16, 2011
Currency Exchange Loss:
Feb 15, 2012