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Koba, age 46, runs a family agricultural business. He lives in the village of Ruisi with his wife, his retired parents, and two children.

Koba leads the agricultural business of the family. The family has a calf and a milk cow, whose milk is used in cheese products. The cheese is sold locally. They also have a plot of land where tomatoes, cabbages, maize, and onions are grown. Koba’s father works as an artisan and gets a monthly income, which allows him to help supplement the income from the family business.

Koba owns a tractor. He works with it on land cultivation in his district. For this work he is paid by the local farmers. Koba has requested credit to fix the engine of the tractor, as the engine is out of order at the moment. After the renovation, Koba will be able to continue working on the tractor and receive an income. His goal is to improve and support the well-being of his family.

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
  • 39
    View loans »
    Georgia Loans Fundraising
  • $8,073,000
    Funds lent in using Kiva
  • 1.7
    Georgia Lari (GEL) = $1 USD

Success!! The loan was 100% repaid

A loan of $625 helped Koba to pay to fix the engine of the tractor.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Dec 7, 2012
Dec 22, 2012
Currency Exchange Loss:
Jul 17, 2013