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Tamar is 34 years old and lives in Vani district with her family. She has a husband, Gia, a father-in-law and five children (aged 3, 5, 8, 12 and 15). Three of them go to the local school and the younger children go to the village kindergarten. Tamar’s father-in-law is a pensioner.

Tamar and her husband run an agricultural business. They own three milking cows and produce cheese. They sell cheese at the local open market. The family has a plot of land and a vineyard as well. They sell nuts and wine in nearby villages. Tamar and her husband are very hard-working people and they work hard from early morning until late evening to get a good harvest. The family belongs to the vulnerable poor category and they get the relevant pension from the local government.

Tamar is asking for a loan to buy a plot of land. She will be able to plant nuts and maize. Tamar and Gia will work hard on the plot during the spring and summer seasons. The loan will help her by giving her financial resources to guarantee a good harvest. The loan will improve the family’s economic situation and Tamar will be able to provide her children with all necessities.

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
  • 41
    View loans »
    Georgia Loans Fundraising
  • $7,896,375
    Funds lent in using Kiva
  • 1.6
    Georgia Lari (GEL) = $1 USD

Success!! The loan was 100% repaid

A loan of $800 helped Tamar to purchase a plot of land.
100% repaid
Repayment Term
17 months (Additional Information)
Repayment Schedule
Aug 7, 2012
Aug 17, 2012
Currency Exchange Loss:
Dec 20, 2013