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Tamar is from Keda district of West Georgia. She is 39 years old, and lives with her husband, two children and retired mother-in-law. The family earns their living through an agricultural business. More specifically, the family owns a plot of land where different kinds of vegetables, fruit and tobacco leaves are grown. Tamar and her family do all of the relevant agricultural work to ensure a good harvest. The harvested products are then sold at the local open market. Tamar is a very hard-working woman with a lot of experience in this work.

Tamar has requested a loan to purchase beehives with bee colonies. This will enable her to produce ecologically clean honey that she can then sell at the local open market. This investment will increase her family's income.

Another part of the loan will be used for home renovations. Tamar's existing house is old and damaged, so she is seeking a loan to purchase building materials to repair it. Once repaired, the living conditions of the family will be improved, and they will be able to spend their evenings in a more comfortable environment.

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
  • 43
    View loans »
    Georgia Loans Fundraising
  • $7,796,600
    Funds lent in using Kiva
  • 1.7
    Georgia Lari (GEL) = $1 USD

Success!! The loan was 100% repaid

A loan of $975 helped Tamar to purchase beehives with bee colonies, and to renovate her house.
100% repaid
Repayment Term
21 months (Additional Information)
Repayment Schedule
Oct 25, 2012
Nov 5, 2012
Currency Exchange Loss:
Oct 17, 2013