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Update on Evgenia

Evgenia is 29 years old. She is married and comes from Kareli District. Evgenia lives with her family, husband, parents-in-law, and two children (6 and 7 years old). The younger child goes to kindergarten and the elder studies in the village school. The other family members earn their living through the agricultural business. They run a small dairy farm with 3 milk cows. They produce dairy food, cheese, and curds and sell them in the village. They family owns 2 hectares of land as well. Part of the land is used for vegetables; they grow tomatoes and cabbage there. On the rest of the land they have an orchard, where appletrees and plum trees are grown. Evgenia and her husband sell their harvested product in nearby villages from their own truck. The total average monthly income of the family is 1,000 Lari.

Evgenia borrowed her first loan in 2011. She bought fertilizers and cultivated the agricultural land. She repaid the loan according the schedule.

Evgenia requests a loan for her agricultural land again. Evgenia and her husband will work hard during the spring and summer seasons to get a good harvest. They will purchase fertilizers and hire workers. They will cultivate and fertilize the land. After the seasonal work is properly done they hope to get a good harvest, which will be sold for a good price. This will increase the sales. With increased income they will be able to repair the house, because the existing one is an old and uncomfortable. As a result of the above mentioned activities the family will be able to spend their evenings after hardworking days in a more comfortable environment.

Previous Loan Details

Evgenia comes from village Ruisi, Khashuri District. She is 28 years old, married and lives with her husband Zaza, her 6-year-old son, her 5-year-old daughter and her parents-in-law. The main source of income for Evgenia and the whole family is farming activities. They have two milk cows and prod... More from Evgenia's previous loan »

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.

Concurrent and Successive Loans

Our Field Partners often work with borrowers over a series of loans as the borrowers build credit, take out bigger loans, and expand their businesses. In order to make it easier for our Field Partners to post loans for borrowers who have been listed on Kiva before, we allow them to post successive and concurrent loans for their Kiva borrowers. This means that our Field Partners are able to post a borrower's second, third, etc., loan on Kiva without having to re-enter all of the borrower's information.

This borrower has been listed on Kiva before, so you'll see an updated loan description, as well as excerpts of the original descriptions from earlier loans. Most borrowers take out loans consecutively, meaning that they receive a second loan after having repaid the first. However, sometimes our Field Partners give out concurrent loans, allowing borrowers to take out one primary loan and a secondary "add-on" loan along with it. These "add-on" loans are typically smaller than the borrower's primary loan and serve a different purpose. Because Field Partners can now post loans as successive and concurrent loans, you will be able to track borrower progress over time and see the various ways a borrower is working with our Field Partners through funds from Kiva’s lenders.

About Georgia

  • $6,100
    Average annual income
  • 32
    View loans »
    Georgia Loans Fundraising
  • $7,796,325
    Funds lent in using Kiva
  • 1.6
    Georgia Lari (GEL) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,225 helped Evgenia to purchase fertilizers and pay agricultural workers.
100% repaid
Repayment Term
11 months (Additional Information)
Repayment Schedule
Jun 5, 2012
Jun 27, 2012
Currency Exchange Loss:
Feb 15, 2013