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Khvicha is 44 years old. He lives in the village of Sveneti in East Georgia with his family - his wife Mariam, a 20-year-old daughter and a 19-year-old son. His children are students. At the same time, his daughter works in a local bakery as a baker.

Khvicha and Mariam are leading the agricultural business of the family, which is the main source of the income for the family. In particular, they have 2 hectares of land, where maize, tomatoes, cabbages, as well as apple and cherry trees are grown. They sell their harvested products on the local open market. Along with the above mentioned, the family owns a small pig farm with 5 piglets. The total average monthly income of the family is 700 Laris.

Khvicha requested credit for financing his seasonal agricultural work. He wants to cultivate the land and to purchase fertilizers and onion seeds. He will sow the onions on their family-owned free 0.5 hectare of land. After properly done seasonal work, he can count on a good harvest in the Spring. The family will get more income. Khvicha and Mariam plan to use it for financing the studies of their 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
  • 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 $1,225 helped Khvicha to pay for land cultivation and to purchase onion seeds and fertilizers.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Feb 9, 2012
Mar 6, 2012
Currency Exchange Loss:
Dec 15, 2012