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David is a farmer from the village of Bardubani, Imereti Region, West Georgia. David is 51 years old, married and lives with his family: his wife, Tea; his 12-year-old son; and his 10-year-old daughter. Both children go to school.

David and Tea earn a living through the family agricultural business. In particular, they have a small dairy farm with two milk cows. They produce cheese and sell it on the local market. Along with the dairy, the family owns 1 hectare of land where greens and various vegetables are grown. Harvested vegetables are sold to local greengrocery retailers. Total average monthly income of the family is 550 Laris (approximately 330 USD).

David requested credit to purchase seeds of onions and plastic for construction of a small greenhouse. He will sow the onion in the greenhouse and sell it for a high price in the winter and early spring months. It will increase the income of the family and will be used for purchasing necessary household goods to improve the living conditions of 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 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 David to purchase plastic for greenhouse construction and onion seeds.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Oct 4, 2011
Oct 15, 2011
Currency Exchange Loss:
Apr 15, 2012