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Irma is 42 years old. She lives in a small village of Gori District, East Georgia, with her family: husband, Tamaz, 16-year-old daughter, and 6-year-old son. The children go to school.

The family earns a living through the agricultural business. They have a dairy farm with three milk cows. Irma produces cheese and sells on average 60 kg of this product to local dairy products retailers. Along with the dairy farm, the family owns six hectares of agricultural land, where they grow wheat, maize, haricot (beans), tomatoes, and cabbage. On the same plot the family grows 400 apple trees, but they are too young and don’t give fruit. Irma and Tamaz sell harvested vegetables locally to greengrocery retailers. The total average monthly income of the family equals to 1,500 Laris.

Irma requested credit for purchasing additional agricultural land. She will use it for vegetable growing. She will harvest more vegetables and get more income from sales.

Irma plans to use the increase in income for renovation of the family’s house, which is old and needs some repair.

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
  • 46
    View loans »
    Georgia Loans Fundraising
  • $8,648,750
    Funds lent in using Kiva
  • 1.6
    Georgia Lari (GEL) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,225 helped Irma to purchase agricultural land.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Mar 19, 2012
Mar 28, 2012
Currency Exchange Loss:
Apr 17, 2013