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Zurab, from Vale, South Georgia, is 45 years old, married and lives with his wife Manana, his 6-year-old daughter and his retired parents. The sole income provider of the family, Zurab grows potatoes and cabbage on a family-owned 0.75 hectare plot of land, selling 8 tones of potatoes and 17 tones of cabbage per year to local greengrocery retailers. Total average family monthly income is 900 Laris, including Zurab’s parents' pensions.

Zurab has requested a loan to diversify his agricultural business. He plans to purchase six or seven calves to raise, and will sell them in the spring for a profit. Food for the calves will cost nothing, as he will mow the grass and make hay. The profits from this new enterprise will improve the family's living conditions.

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
  • 43
    View loans »
    Georgia Loans Fundraising
  • $7,796,600
    Funds lent in using Kiva
  • 1.7
    Georgia Lari (GEL) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,525 helped Zurab to purchase calves.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Aug 17, 2011
Sep 9, 2011
Currency Exchange Loss:
Feb 15, 2012