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Murman lives in the village of Kokotauri, Keda district. He is married and has two children – a 15-year-old son and an 11-years-old daughter; both of them go to school. Murman’s family consists of six persons – Murman, his wife Natela, their two children, Murman’s sister and his father, who is retired.

The total income of the family is 1000 Laris per month. A small part of this amount is the social assistance given to the Z. family by the Georgian government, as a family living below the poverty line. The biggest part of their total income comes from agricultural activities. In particular: three milk cows, the dairy products of which are sold locally. Besides, they have a plot of land with an area of 1 ha, where vegetables are grown. Also the family grows different types of fruit, which is sold locally.

With the requested amount Murman plans to build a small greenhouse, where vegetables will be grown. This will allow Murman to grow more and better quality vegetables and sell them, which will be positively reflected in the family income and family living conditions.

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
  • 50
    View loans »
    Georgia Loans Fundraising
  • $8,643,950
    Funds lent in using Kiva
  • 1.7
    Georgia Lari (GEL) = $1 USD

Success!! The loan was 100% repaid

A loan of $625 helped Murman to purchase materials for greenhouse construction.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Apr 14, 2011
Apr 18, 2011
Currency Exchange Loss:
Dec 15, 2011