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Bakhar is 55 years old. She is married and lives in a small village of Gardabani District with her husband, Bairam, and their 28-year-old son. Her son works in construction and gets a service fee for his work.

Bakhar and Bairam are busy with an agricultural business. They have a plot of land where they grow greens. They sell harvested greens in Rustavi open market. They also buy vegetables and fruits from local farmers and sell them on the local open market. The average total monthly income of the family is 900 laris.

Bakhar has requested a loan for purchasing a car. With the car, Bakhar and Bairam will be able to move comfortably and easily. This will save the costs related to selling their agricultural products. Thus, they will decrease their transportation costs and increase their income accordingly. They will spend the largest portion of the income to develop the business. As a result they will be able to make some savings and 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
  • 42
    View loans »
    Georgia Loans Fundraising
  • $7,901,050
    Funds lent in using Kiva
  • 1.6
    Georgia Lari (GEL) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,225 helped Bakhar to purchase a car to help in their business.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Jul 16, 2012
Aug 14, 2012
Currency Exchange Loss:
Aug 17, 2013