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Irma is 38 years old. She is married and lives in a small village of the Dmanisi district with her husband and 18-years-old daughter Gia. The family runs an agricultural business. They have a plot of land where they grow potatoes and maize. They sell harvested products at the local open market.

In addition to the agricultural business Irma has a store in the village. She purchases kitchen utensils and miscellaneous household items in the wholesale market in Tbilisi (Capital of Georgia) and sells them in the village. Total average monthly income of the family is 1000 Lari.

To continue operating her business Irma requested a loan. Because of the high demand of her products, she plans to purchase more household items. She plans to add clothing and more kitchen utensils in her store. Irma will diversify the assortment of products for sale and attract new customers. This will increase the sales and Irma will be able to improve living conditions of the family. She hopes for your help and kindness.

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 $925 helped Irma to purchase stock for the store.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Jun 13, 2012
Jun 24, 2012
Currency Exchange Loss:
Jul 17, 2013