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Avtandil is 47 years old. He lives in a small village in the Gori District with his family: his wife, Eka, his 18-year-old daughter, his 17-year-old son and his mother. Avtandil’s daughter is a student. His son goes to school.

The family earns a living through their agricultural business. They have a dairy farm with two milk cows and four calves. Eka produces cheese and sells it locally to dairy product retailers. Along with the dairy farm, the family owns 4.5 hectares, on which Avtandil and Eka grow garlic, cabbage, tomatoes, onions, maize, peaches, apples and pears. In spring and summer, Avtandil and Eka spend their days working their land. They sell harvested fruits and vegetables in the village to greengrocery wholesalers.

Avtandil requested credit for financing his seasonal works. In particular, he will hire a tractor till the land, and purchase fertilizers and pesticides to protect the plants from parasites. They expect that the family will get a good harvest in summer/fall and sell it for good price. The family use the income during the year to finance their daily expenses. Part of the profit will be reinvested in the family farm.

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
  • 1.6
    Georgia Lari (GEL) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,850 helped Avtandil to pay for land-tilling service and to purchase fertilizers and pesticides against parasites.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Mar 19, 2012
Mar 28, 2012
Currency Exchange Loss:
Jul 15, 2012