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Irma is 44 years old. She is married and lives in a small village in the Tbilisi District with her husband Valerian and their two children. The younger child studies in the village school, and the elder serves in the army.

Irma and Valerian run the family agricultural business. They have a milking cow and produce cheese. Part of the cheese is used by the family members, and the rest is sold on the local open market. Along with the agricultural business, Valerian works repairing cars and gets service fees for the work.

Irma requested a loan to build a house. They live in a rented house. With this loan, they will be able to purchase construction materials to start building the house. Thus, the family will have their own house, and their living conditions will improve. They will be able to spend their evenings after their hard-working days in a more comfortable environment. Irma 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 Housing Loans

Many poor families cannot afford housing that meets their needs. When you make a housing loan on Kiva, you give people access to flexible capital to obtain or improve their homes. Better housing means better health, sanitation, and even educational outcomes for children. A house can also be much more for entrepreneurs who run businesses out of their homes. In this way, housing and small business loans on Kiva share a common purpose: to alleviate poverty and enable families to enjoy more stable lives.

About Georgia

  • $6,100
    Average annual income
  • 56
    View loans »
    Georgia Loans Fundraising
  • $8,096,850
    Funds lent in using Kiva
  • 1.7
    Georgia Lari (GEL) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,225 helped Irma to build a house.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Jul 14, 2012
Jul 23, 2012
Currency Exchange Loss:
Aug 17, 2013