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Emzar is 52 years old and from a small village of Vani district. Emzar has a large family: wife, parents, two sons, daughter-in-law, and an infant granddaughter. His parents are provided with a retirement pension. The family runs an agricultural business. In particular, they have four milk cows and two calves, whose milk is used in cheese production. They sell cheese locally in an open market at a good price. In addition, they have two pigs and sell piglets. Emzar also has agricultural land where he grows 200 nut trees. He sells approximately 300 kg of nuts seasonally. He is a very hard working man and does his best to ensure a good harvest. Emzar requested a loan to purchase a milk cow and to renovate the shed. After purchasing an additional cow, they will produce more dairy products. This will increase the income of the family. With increased income they 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
  • 42
    View loans »
    Georgia Loans Fundraising
  • $7,904,125
    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 a milk cow and to renovate the shed.
100% repaid
Repayment Term
15 months (Additional Information)
Repayment Schedule
Dec 27, 2012
Jan 15, 2013
Currency Exchange Loss:
Feb 17, 2014