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Nikoloz is from the village of Chognari, West Georgia. He is 35 years old, married, and lives with his family: wife Venera, their 5-year-old son, and their 4-year-old daughter. The children go to kindergarten.

Nikoloz has a tractor. He provides agricultural services to local farmers and is paid for this service. It is the main source of the income for the family. Also the family has a small dairy farm with 3 milk cows. Venera produces cheese and sells it in the village. Total average monthly income of the family is 1000 Laris.

Nikoloz is requesting a loan for fixing the tractor, as it is out of order. In late March farmers will start tilling their lands and Nikoloz’s tractor will be ready by that time. The family will get their expected income, which will be used for financing their daily needs.

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
  • 45
    View loans »
    Georgia Loans Fundraising
  • $8,648,750
    Funds lent in using Kiva
  • 1.7
    Georgia Lari (GEL) = $1 USD

Success!! The loan was 100% repaid

A loan of $750 helped Nikoloz to fix a tractor.
100% repaid
Repayment Term
15 months (Additional Information)
Repayment Schedule
Feb 28, 2012
Mar 17, 2012
Currency Exchange Loss:
Apr 17, 2013