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Goderdzi is 20 years old, married, and has one child. He is from the village of Khatisopeli lives with his parents. His family runs an agricultural business and cultivates a plot of land where maize and potatoes are grown. Goderdzi breeds a dairy cow and his mother produces cheese with the milk. They also have a vineyard and sell their wine locally.

Goderdzi is a very energetic and hardworking young man and wishes to provide his family with more income, which is why he decided to start a trading business. With this loan, Goderdzi plans to purchase a van and use it for making fruit and vegetable deliveries. He will sell fresh produce in the neighboring villages and have a stable income, which will enable him to cover everyday costs as well as expand the business in the future.

Additional Information

More information about this loan

This loan is part of Credo's startup loan program targeting particularly vulnerable clients who live at the subsistence level and have been unable to obtain credit due to lack of income from an existing business. This program offers them a longer repayment term and an annual interest rate that is 5% lower than the standard interest rate. By funding this loan, you are supporting a program that gives borrowers a second chance to start and grow small businesses. This has the potential to alleviate the effects of poverty, significantly improving borrowers' incomes and their families' quality of life. Learn more about Credo's startup loan program on the Kiva Blog.

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
  • US Dollars
    Loan transacted in USD
A loan of $1,400 helped Goderdzi to purchase a van.
Repayment Term
14 months (Additional Information)
Repayment Schedule
Aug 9, 2013
Sep 11, 2013
Currency Exchange Loss:
Oct 11, 2013