Ramin is 42 years old. He lives in Lechkhumi District, in the western part of the country. Ramin is married and lives with his family: wife – Nona, three daughters (19, 16 and 3 years old), father and stepmother (retired). Ramin and Nona run a family agricultural business. They have a dairy farm with 5 milk cows. The family sells milk locally to dairy product retailers. They also own a 0.5 hectare cornfield, as well as 200 nut trees. Harvested corn and nuts are sold locally to the retailers as well. Total average monthly income of the family is 650 GEL, including the monthly pensions of Ramin’s parents.
Ramin requested credit for expansion of the existing dairy farm building. In the future, he plans to increase the amount of milk cows on the farm. For implementation of this plan, the family needs to expand the farm building. After expansion of the family business their income will increase the family will be able to improve their living conditions.
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.