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Omar comes from the village of Kvemo Khvedureti in the Kareli District. He is 23 years old and lives with his wife Natia, two children and parents. Omar and Natia are leading the family agricultural activities. Their daughter is two years old and their son is one month old. The parents are retired.

The family has two cows. Their milk is used for cheese production. The cheese is sold locally. In addition, they own one hectare of agricultural land where potatoes, carrots, beets and onions are grown. Some of the vegetables are consumed by the family, but most of them are sold on the local market.

With the requested credit, Omar will purchase potato and carrot seeds and fertilizers. He will sow these vegetables on his land and work hard during the whole season to have a good harvest. With the received profit, Omar plans to renovate his house. The family has a big house, but currently they can use only two rooms of it. The rest of the house isn't fit for living. It needs a thorough renovation.

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
  • 1.6
    Georgia Lari (GEL) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,225 helped Omar to purchase seeds and fertilizers.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Apr 8, 2011
Apr 23, 2011
Currency Exchange Loss:
May 15, 2012