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Azat is 35 years old. He lives in the village of Sadzeli in South Georgia with his family: his wife, Alice, his parents and his younger brother.

All his family members are busy with the family livestock farm. They purchase calves and keep them for five or six months. After this period, the family sells the grown calves for a higher price and gets income. The total average monthly income of the family is 600 GEL.

Azat requested a loan for purchasing calves. He will increase the number of calves in the farm and get increased income after six months. The family will use the additional income to purchase needed household goods and 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
  • 28
    View loans »
    Georgia Loans Fundraising
  • $8,567,900
    Funds lent in using Kiva
  • 1.7
    Georgia Lari (GEL) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,200 helped Azat to purchase calves.
100% repaid
Repayment Term
17 months (Additional Information)
Repayment Schedule
Feb 6, 2012
Mar 7, 2012
Currency Exchange Loss:
Oct 15, 2012