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Emzar is 45 years old and from a small village of Akhaltsikhe district. He lives with his wife and three sons. Emzar works locally as a welder in a private company and gets a monthly income.

The family is involved in agricultural activities. In particular, they have a milk cow, whose milk is used in dairy products. They sell dairy products locally in an open market at a good price.

Emzar is a very hardworking man and has a rich experience in his business. He requested a loan for purchasing calves. After purchasing the calves, he will be able to expand the number of cattle. This will increase the income of the family. With increased income, the family will improve their living conditions.

Emzar awaits your support.

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
  • 38
    View loans »
    Georgia Loans Fundraising
  • $7,924,775
    Funds lent in using Kiva
  • 1.7
    Georgia Lari (GEL) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,225 helped Emzar to purchase calves.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Dec 7, 2012
Jan 1, 2013
Currency Exchange Loss:
May 17, 2013