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David is a farmer from Tskaltubo District, West Georgia. He is unmarried and lives with his family including his elder brother Avtandil, his sister in law, his nephew, the wife of the nephew and their four-year-old daughter.

The main source of the income for the family is two greenhouses owned by the family. The greenhouses are busy during the whole year. In the period of October – May, it is used for greens growing and in summer months, it is used for cucumber and tomato growing. David and Avtandil sell harvested greens to the wholesaler exporters locally, as tomatoes and cucumbers are sold by David at the local open market.

David requested credit to purchase fertilizers for the greenhouse. After fertilizing the land, he can count on more and better harvest during the coming year. It will positively influence the income of the family. David and Avtandil will use the received profit for purchasing additional household goods, in order 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
  • 39
    View loans »
    Georgia Loans Fundraising
  • $8,572,225
    Funds lent in using Kiva
  • 1.7
    Georgia Lari (GEL) = $1 USD

Success!! The loan was 100% repaid

A loan of $925 helped David to purchase fertilizers.
100% repaid
Repayment Term
15 months (Additional Information)
Repayment Schedule
Oct 24, 2011
Nov 20, 2011
Currency Exchange Loss:
Dec 15, 2012