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Gela is 29 years old, a farmer from village Ruisi, East Georgia. He lives with his wife Lia and 12-year-old daughter. Gela and Lia have 1.5 ha pf land where cabbage and beets are grown. After the harvest season, vegetables are sold to retailers. Total average monthly income of the family is 1600 Laris.

With the requested credit Gela will purchase fertilizers. After fertilizing, the quality and quantity of the harvest will increase, resulting in higher prices and thus higher income.

Part of the income from sales will be reinvested in the business and the other part will be used for finishing off the family’s newly constructed 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
  • 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 $925 helped Gela to purchase fertilizers for the farm.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
May 10, 2011
Jun 4, 2011
Currency Exchange Loss:
Dec 15, 2011