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Bezhan is 62 years old. He lives in the village of Ruisi, Kareli District, East Georgia with his family: his wife – Mzia and 26-year-old daughter. All family members are involved in the family agricultural business. They have a milk cow, one pig and two piglets in the farm. Mzia produces various dairy products, part of which are consumed in the family. The biggest part of the milk is used for cheese production. The family sells produced cheese in the village to local retailers.

Bezhan sells on average 10 piglets per year. Along with the farm of domestic animals, Bezhan, Mzia and their daughter are busy on family owned 1.3 hectares of land. They grow cabbages, onions, garlic and raspberries. Harvested products are sold in the village as well, to greengrocery produce retailers, who buy fruits and vegetables from local farmers and re-sell them in nearby towns with a price mark-up. The total average monthly income of the family is 700 Laris.

Bezhan requested credit for financing seasonal agricultural work on family-owned land. In particular, he will purchase fertilizers to fertilize the land and chemicals to treat the plants against parasites. All family members will work hard on the plot, especially in spring and summer, to get a high quality harvest. After selling the produce, the family will get more income than last year. That will allow them 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
  • 39
    View loans »
    Georgia Loans Fundraising
  • $8,073,000
    Funds lent in using Kiva
  • 1.6
    Georgia Lari (GEL) = $1 USD

Success!! The loan was 100% repaid

A loan of $925 helped Bezhan to purchase fertilizers and chemicals to treat the plants against parasites.
100% repaid
Repayment Term
13 months (Additional Information)
Repayment Schedule
May 17, 2012
May 25, 2012
Currency Exchange Loss:
Nov 15, 2012