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Eldar is 35 years old. He lives in a small village with his wife, Ana, and grandfather, a pensioner.

Ana and Eldar are farmers who grow potatoes, tomatoes, and cucumbers. They have several calves and a horse as well. Eldar also sells firewood. He goes to the woods in his car, gathers and prepares wood and sells it on the local open market. His family’s total average monthly income is 500 GEL.

Eldar has requested a 2,000 GEL loan to buy calves. He will raise them and then sell them in autumn when prices are up. He wants to keep one or two of the cows so that his wife and he can make cheese and curds to be sold in nearby villages.

With an increase in profits Eldar plans to repair the house, which is very old and uncomfortable. The family’s living conditions will improve as well, and they will be able to spend their evenings after hard and busy days in a more comfortable home.

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
  • 37
    View loans »
    Georgia Loans Fundraising
  • $7,812,050
    Funds lent in using Kiva
  • 1.6
    Georgia Lari (GEL) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,250 helped Eldar to buy calves.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
May 7, 2012
May 30, 2012
Currency Exchange Loss:
Jan 15, 2013