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Badri is from the small village of Didi Nedzi. He is 52 years old and lives with his wife in his own house.

Badri runs an agricultural business and breeds four milk cows, two calves and a pig. Badri’s wife Madona produces cheese to sell with the received milk. The couple also sells nuts, maize and laurel leaves which are grown on their piece of land. In addition, Badri has a tractor and serves local farmers on tilling and planting seasons in return for a service fee.

Badri and Madona work hard all day long, but their earnings are modest for the purposes of saving and improving their standard of living.

Badri is requesting a start-up loan to purchase a mini-bus. He will use it as a school bus and transport local children to school, which is located very far from the village. The children go to school with difficulty, and it takes them much time. The school administration will pay for the service, and Badri will generate income.

Badri and his villagers hope for your support.

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
  • 39
    View loans »
    Georgia Loans Fundraising
  • $8,073,000
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $2,800 helped Badri to purchase a mini-bus for transporting schoolchildren.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Sep 21, 2013
Oct 27, 2013
Currency Exchange Loss:
Feb 17, 2014