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David is 45 years old. He lives in the village of Pereta, West Georgia. David lives with his family: wife – Iza and three children (20, 18 and 14 years old). His younger children go to school and the elder one helps his father in construction works.

David is a construction worker. He mainly works on roofing houses. His elder son helps him. Along with his main job, David is busy with a family agriculture business. In particular the family owns a greenhouse, where greens and vegetables are grown. He sells harvested vegetables locally to greengrocery products retailers. Also, the family has a plot of land where nut and peach trees grow. David sells harvested nuts and peaches on the local market as well. The total average monthly income of the family is 700 Laris.

David has requested credit for fixing the greenhouse. He will change the plastic covering and will get a better harvest as the greenhouse (with new plastic cover) will keep the needed temperature and produce a better harvest. This harvest, in turn, can be sold for a higher price. The income of the family will increase. Also, with a small part of the credit David plans to renovate one room in their house in order to improve the family's 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
  • 38
    View loans »
    Georgia Loans Fundraising
  • $8,323,825
    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 polyethylene covers to fix the greenhouse and materials for renovation of one room of the house.
100% repaid
Repayment Term
15 months (Additional Information)
Repayment Schedule
Feb 24, 2012
Mar 12, 2012
Currency Exchange Loss:
Mar 15, 2013