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Vakhtang is a 27-year-old farmer. He is from Balanta village, South Georgia. Vakhtang is married and lives with his family: wife Zinaida and two daughters (4 and 2 years old).

Vakhtang is leading his family's agricultural business. He runs a small dairy farm with 3 milk cows. Zinaida produces cheese and sells it locally to dairy product retailers. Along with the dairy, the family grows potatoes and carrots on a family-owned plot of the land. Harvested vegetables are sold locally as well. The total average monthly income of the family is 600 laris.

Vakhtang requested credit for purchasing potato and carrot seeds, as well as fertilizers. After properly tilling and fertilizing the land, Vakhtan will count on a good harvest. After selling the harvest, the family will get a profit, which will be used for family needs.

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
  • $8,073,000
    Funds lent in using Kiva
  • 1.7
    Georgia Lari (GEL) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,200 helped Vakhtang to purchase fertilizers and potato and carrot seeds.
100% repaid
Repayment Term
17 months (Additional Information)
Repayment Schedule
Feb 3, 2012
Mar 7, 2012
Currency Exchange Loss:
Mar 15, 2013