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Irma and her family live in a small village in Zastaponi district. She is 42 years old and has parents and a married brother at home. Irma’s parents are pensioners and her brother works as an artisan. Irma works as a nurse at the local kindergarten and gets a monthly salary. Besides this job, the family has small farming business. They have two milk cows. With the milk Irma regularly produces cheese and sells it locally. The family also cultivates their land and grows vegetables and nuts there. They also own a vineyard and beehives. The family sells vegetables, nuts, grapes and honey in the nearby villages. Irma is very hard-working woman, with a rich experience in her work.

Irma requested a loan to repair her house. The existing house is very old and damaged. With this loan she will purchase building materials and renovate it. Due to the above mentioned, the living conditions of the family will be improved and they will be able to spend their evenings after a hard working day 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
  • 43
    View loans »
    Georgia Loans Fundraising
  • $7,796,600
    Funds lent in using Kiva
  • 1.6
    Georgia Lari (GEL) = $1 USD

Success!! The loan was 100% repaid

A loan of $750 helped Irma to repair her house.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Aug 8, 2012
Aug 30, 2012
Currency Exchange Loss:
Apr 17, 2013