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Evgenia is a 36-year-old farmer from a small village in Kareli District. She is a widow and lives with her children: an 18-year-old daughter and a 16-year-old son. Both of them go to local school. Evgenia earns a living through an agricultural business. The family has a small dairy farm with two milk cows and two calves. Evgenia produces various dairy products (such as cheese and yogurt) and sells them in the village. In addition, the family owns one hectare of land, where Evgenia grows tomatoes, cabbage, and peppers. Harvested products are sold locally as well. The total average monthly income of the family is 530 Georgia Laris (GEL).

Evgenia requested credit for purchasing vegetable seeds and fertilizers. She also has an old tractor, which is out of order. Part of the credit will be used for repairing it. After the tractor is fixed, Evgenia will rent it out for additional income. She will use the increased income for financing the education of her children.

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
  • $7,899,750
    Funds lent in using Kiva
  • 1.6
    Georgia Lari (GEL) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,225 helped Evgenia to purchase vegetable seeds and fertilizers, and to pay for tractor repairing service.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Mar 14, 2012
Mar 28, 2012
Currency Exchange Loss:
Apr 17, 2013