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Gela is a 32-year-old farmer from the village Kedkedi in the mountainous Adjara region. He is married and lives with his wife, Kristine, two daughters (3 and 2 years old) and parents. All adult family members are involved in the family agricultural activities, which are the main source of income for the family.

Gela’s family owns a hectare land where various citrus fruits and vegetables are grown. They sell the harvested products to local retailers. They also have a milk cow whose milk is used for cheese production. They sell the cheese in the village. Also, Gela runs small bee-keeping farm. He has 25 beehives with bee colonies. He sells the honey locally in the village. The total average monthly income of the family is 614 GEL.

With the requested credit Gela will purchase an additional four or five beehives and bee colonies. He will get and sell more honey and the income of the family will increase, allowing the family members to purchase more and better goods and services.

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
  • $8,091,775
    Funds lent in using Kiva
  • 1.7
    Georgia Lari (GEL) = $1 USD

Success!! The loan was 100% repaid

A loan of $900 helped Gela to purchase additional beehives and bee colonies.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Jul 8, 2011
Jul 13, 2011
Currency Exchange Loss:
Aug 15, 2012