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Gela is thirty-nine years old. He is married and lives in the village of Charnali with his family: his wife – Gulnara, three children (19, 13 and 7 years old) and his parents who are retired. Gela is a worker in a construction company. Along with his main job he is also actively involved in the family's agricultural business. They own 0.6 hectares of land, where they grow fruits and vegetables. The products that they harvest are sold to local greengrocery retailers. The family also has two milk cows, and Gulnara produces cheese and sells it locally. Gela takes care of 55 bee-hives, owned by the family. He gathers honey twice a year and sells it locally. The total average monthly income of the family is 1,200 Laris which includes the pensions of Gela’s parents.

Gela requested credit to purchase materials to construct a greenhouse. He will grow various vegetables in the greenhouse during the whole year. The harvested vegetables will be sold to partner greengrocery retailers. The income of the family will significantly increase. Gela will be able to improve the family's living conditions, and finance the education of his 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
  • 50
    View loans »
    Georgia Loans Fundraising
  • $8,637,875
    Funds lent in using Kiva
  • 1.7
    Georgia Lari (GEL) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,800 helped Gela to purchase materials to construct a greenhouse.
100% repaid
Repayment Term
15 months (Additional Information)
Repayment Schedule
Jan 30, 2012
Feb 11, 2012
Currency Exchange Loss:
Mar 15, 2013