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Vlas comes from the village of Kveda Simoneti in the Imereti region. He is 30 years old and lives with his wife, Nana, a 10-year-old boy and his 72-year-old father.

All the family members are involved in agricultural activities. In particular, they have a milk cow, the milk of which is used for cheese production. Family members sell approximately 7 kg of cheese at the local market each Friday. Also they have a pig and sell piglets in the village. Along with the above mentioned work, the family grows maize on a half hector of land. Almost all the maize is used in the family farm.

The total average monthly income of the family is 900 GEL. With the requested credit, Vlas plans to build a bath house for the family, as they don’t have one now. It will significantly improve the quality of life for the family.

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 Housing Loans

Many poor families cannot afford housing that meets their needs. When you make a housing loan on Kiva, you give people access to flexible capital to obtain or improve their homes. Better housing means better health, sanitation, and even educational outcomes for children. A house can also be much more for entrepreneurs who run businesses out of their homes. In this way, housing and small business loans on Kiva share a common purpose: to alleviate poverty and enable families to enjoy more stable lives.

About Georgia

  • $6,100
    Average annual income
  • 39
    View loans »
    Georgia Loans Fundraising
  • $8,314,800
    Funds lent in using Kiva
  • 1.7
    Georgia Lari (GEL) = $1 USD

Success!! The loan was 100% repaid

A loan of $600 helped Vlas to purchase materials for bathhouse construction.
100% repaid
Repayment Term
15 months (Additional Information)
Repayment Schedule
Jun 24, 2011
Jul 12, 2011
Currency Exchange Loss:
Aug 15, 2012