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Arusik is 48 years old. She lives in Akhalkalaki District, South Georgia with her family: her husband – Temur, her 18-year-old son and her 75-years-old mother-in-law. Her son goes to school.

The family earns their living through their agricultural business. They have three milk cows. Arusik produces cheese and sells it on the local market. Along with the dairy farm the family has a plot of the land where they grow potatoes. In the spring season, Arusik and Temur spend most of their days on their plot, busy with seasonal agricultural work. They harvest potatoes in summer and sell them locally to greengrocery products retailers. Total average monthly income of the family is 600 Laris.

Arusik requested credit to purchase potatoes for sowing. Also part of the loan will be used for purchasing chemicals to treat the plants against parasites. Arusik and Temur hope that the weather conditions will be favorable and after properly done seasonal work, the family will get a plentiful harvest, which will be sold for a good price. Arusik will reinvest part of the received profit in the same business and will use the rest for financing ongoing family daily expenses.

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
  • 35
    View loans »
    Georgia Loans Fundraising
  • $7,908,800
    Funds lent in using Kiva
  • 1.6
    Georgia Lari (GEL) = $1 USD

Success!! The loan was 100% repaid

A loan of $625 helped Arusik to purchase potatoes for sowing and chemicals for treating the plants' parasites.
100% repaid
Repayment Term
15 months (Additional Information)
Repayment Schedule
Mar 27, 2012
Apr 14, 2012
Currency Exchange Loss:
May 17, 2013