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Rezo is from the village of Apnia, Akhalkalaki District, South Georgia. He is 50 years old and lives with his wife, Natela, and their 20-year-old daughter.

Rezo is a farmer. He has 2 milk cows, from which Natela produces 40 kg of cheese per month, which she sells locally. The family also owns 6 hectares of agricultural land, of which 3 hectares is used to grow potatoes, 2 hectares to grow barley and 1 hectare to grow wheat. The family works hard in the spring and summer months to get a good harvest. Rezo takes all of the harvested products to the capital city and sells them on the open market.

Rezo plans to use the requested credit to purchase a large sized metal rake to be used for raking the grass in August. Rezo rakes his fields for hours. He will store the collected grass and use it in the winter for feeding the cows. Once he has his own raking equipment, he won’t have to rent it from neighboring farmers. His costs will diminish and, accordingly, the family's profit will increase and they will be able to improve their 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
  • 29
    View loans »
    Georgia Loans Fundraising
  • $8,567,900
    Funds lent in using Kiva
  • 1.7
    Georgia Lari (GEL) = $1 USD

Success!! The loan was 100% repaid

A loan of $925 helped Rezo to purchase a metal rake to make hay.
100% repaid
Repayment Term
15 months (Additional Information)
Repayment Schedule
Jul 19, 2011
Jul 24, 2011
Currency Exchange Loss:
Sep 15, 2012