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Avtandil comes from the village of Gulekari in Abasha District, West Georgia. He is 32 years old, married, and lives with his family ‒ his wife Nanuli, two daughters (10 and 4 years old), a 9-year-old son, and his parents. His older children go to school.

All adult family members are involved in the family agricultural business, which is the main source of the income for the family. They have 12 milk cows and sell on average 210 kg of cheese per month at the local market. The family also grows maize on 3 hectares of land. Part of the harvested maize is used for feeding domestic cows and the rest is sold locally. Along with the above-mentioned, Avtandil owns a tractor, which is an important source of income for them. He uses it for tilling his own land, as well as the neighbor’s plots to earn additional income. The total average monthly income for the family is 1200 Laris, including pensions from Avtandil’s parents.

Avtandil has requested a loan to change 2 wheels on his tractor. As soon as Avtandil changes the wheels, he will take harvested maize to the store and start performing the neighbor’s orders for tilling. In the near future, Avtandil plans to make some savings, as he plans to purchase furniture for his family in order 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
  • 48
    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 Avtandil change 2 tractor tires.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Oct 13, 2011
Oct 22, 2011
Currency Exchange Loss:
Nov 15, 2012