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Ramaz T. comes from the village of Zeda Sazano, Imereti region. He is 46 years old and living with his wife, Shorena; his mother; two daughters (20 and 14 years old) and a 12-year-old son. His younger daughter and son go to school. The elder daughter helps her parents with agricultural activities.

Ramaz’s family has two milk cows and ten sheep. Cheese from the cows and sheep is sold locally. Also, they sell lambs seasonally. In addition, Ramaz runs a mixed store in the village, where groceries and various household items are sold.

With the requested loan, Ramaz will increase stock in trade for the store. It will increase the turnover in the store and positively impact the income of the family. In the near future, Ramaz and Shorena’s elder daughter will marry. Ramaz is saving to cover his daughter’s wedding costs. An increase in his profit will allow him to make more savings for the wedding.

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
  • 37
    View loans »
    Georgia Loans Fundraising
  • $8,073,000
    Funds lent in using Kiva
  • 1.7
    Georgia Lari (GEL) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,800 helped Ramaz to increase stock in trade for a mixed store.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Apr 20, 2011
May 15, 2011
Currency Exchange Loss:
May 15, 2012