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Avtandil is from the village Akhalsheni, West Georgia. He is 23 years old, unmarried, and lives with his parents. His mother is a housewife. His father works as a barber in the village. Avtandil is leading the agricultural business of the family. He takes care of a milk cow, produces cheese and sells on average 10 kg of this product locally. He also grows citrus and vegetables on a family owned 0.5 hectare plot of land. Harvested products are sold to local greengrocery retailers. The total average monthly income for the family is about 1,000 Laris.

Avtandil requested credit for the purchasing of new saplings of various fruit trees. He will plant them on his plot and after 3-5 years will get more harvest. Consequently, the income from fruit sales will increase and the family 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
  • 50
    View loans »
    Georgia Loans Fundraising
  • $8,643,950
    Funds lent in using Kiva
  • 1.7
    Georgia Lari (GEL) = $1 USD

Success!! The loan was 100% repaid

A loan of $600 helped Avtandil to purchase fruit tree saplings.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Feb 6, 2012
Feb 11, 2012
Currency Exchange Loss:
Nov 15, 2012