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Irma is from the village of Disveli, Bolnisi district. She is 43 years old and lives with her husband and 20-year-old son. The family runs their agricultural business. In particular, they own a plot of land where haricot, maize and wheat are grown. Irma sells her agricultural production locally. The family sells hay as well. In addition, Irma has a small dairy farm with 8 milk cows and 7 calves. She milks the cows twice a day and produces cheese, which is sold in her village.

Besides these activities, Irma works as a teacher at the local school and gets a monthly salary. All family members work hard, but they still don’t have enough income to make some savings and improve their living conditions.

Irma is requesting a loan to purchase wheat seeds. She will sow more wheat, harvest and sell at a good price. This will increase the income of the family and that will hopefully improve the family's 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
  • 40
    View loans »
    Georgia Loans Fundraising
  • $8,091,775
    Funds lent in using Kiva
  • 1.7
    Georgia Lari (GEL) = $1 USD

Success!! The loan was 100% repaid

A loan of $625 helped Irma to purchase wheat seeds.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Aug 14, 2012
Sep 8, 2012
Currency Exchange Loss:
Sep 17, 2013