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Murman is from the village of Gantiadi, South Georgia. He is 27-years-old and lives with his wife Khatuna and their children – a 6-year-old daughter and three sons, are ages 4, 3, and 1.

Agriculture is the only source of income for the family. They own a small dairy farm with two milk cows and 1.5 hectares of land where potatoes are grown. They sell milk to local dairy product retailers and the potatoes are sold in Tbilisi (capital city of the country).

Murman requests a loan to pay for harvesting and transporting the potatoes. He will pay the owner of a tractor to help him harvest and a truck driver to take them to his store house.

Also part of the loan (approximately 45%) will be used for purchasing wood for the oven during the winter. The oven is the only means of heating the house in Murman’s village.

Murman worked hard all year and the weather conditions were favorable so he will have a good harvest. He hopes to sell it for a good price and make a good profit for the well-being of his four children.

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
  • 45
    View loans »
    Georgia Loans Fundraising
  • $8,648,750
    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 pay for harvesting and transporting potatoes for selling, and to purchase wood for heat in the winter.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Aug 19, 2011
Sep 9, 2011
Currency Exchange Loss:
Sep 15, 2012