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Vakhtang is thirty-three years old. He lives in a small village of Abasha District with his family: his wife – Eka, his three-year-old daughter, his retired parents and his younger brother. Eka works as a saleslady in a village store. She gets a monthly salary. Vakhtang works as assistant driver on a mini-bus, which connects two towns of West Georgia. He spends most of the daytime on his bus route. Vakhtang’s parents and brother are involved in the family agricultural business: They have three milk cows and produce cheese, which is sold on the local open market. Along with the above mentioned the family has a wooden greenhouse.

Vakhtang requested credit to cultivate the land and purchase polyethylene for the greenhouse. He will grow cucumbers, tomatoes and greens during the whole year in the greenhouse. As a result of the above mentioned the income of the family will increase and they will be able to improve their 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
  • 38
    View loans »
    Georgia Loans Fundraising
  • $7,807,625
    Funds lent in using Kiva
  • 1.6
    Georgia Lari (GEL) = $1 USD
A loan of $750 helped Vakhtang to pay for land cultivation and purchase a polyethylene cover for the greenhouse.
Repayment Term
14 months (Additional Information)
Repayment Schedule
Apr 2, 2012
Apr 27, 2012
Currency Exchange Loss:
May 27, 2012