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Gia is 42 years old. He lives in a small village of Terjola District. Gia is married and lives with his family: wife – Mariam, 14 years old son, 6 years old daughter and mother (retired). Children go to school. The family earns on living through agriculture. They run a dairy farm with 6 milk cows and a calf. Mariam and Gia’s mother produce cheese and sell it on local open market. Also Gia owns a tractor and he works on tilling and sowing season in the village. He provides service to neighbor farmers and is paid for this. Total average monthly income of the family is 1000 Laris.

Gia requested credit for repairing the tractor, which is old and doesn’t operate properly. Gia will purchase spare parts and change them and will be able to provide better quality service to the villagers. After renovation his tractor will work better, than competitors’ ones and he will get more orders. The income of the family will increase and they will be able to improve family 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
  • 39
    View loans »
    Georgia Loans Fundraising
  • $8,578,400
    Funds lent in using Kiva
  • 1.7
    Georgia Lari (GEL) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,225 helped Gia to pay for a tractor repairing service.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Mar 10, 2012
Mar 20, 2012
Currency Exchange Loss:
Feb 15, 2013