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Guram is 34 years old. He lives in a village of Khelvachauri District, West Georgia with his family: his wife – Natia and his parents. Guram and Natia are employees of a local company and they get a monthly salary. Along with their main job, they are actively involved in the family agricultural business. They have 0.4 hectares of land, where vegetables, fruit and various citrus trees are grown. Guram’s parents sell harvested fruit and vegetables on the local open market. Total average monthly income of the family is 700 Laris.

Guram requested credit for purchasing a milk cow. It will be placed in an old cattle-shed, located in the yard of Guram’s house. The family will start production of cheese and they will sell it on local open market as well. The income of the family will increase by 150 – 200 Laris per month. The increased income will allow them to purchase needed additional household goods, to improve their 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
  • 37
    View loans »
    Georgia Loans Fundraising
  • $8,323,825
    Funds lent in using Kiva
  • 1.6
    Georgia Lari (GEL) = $1 USD

Success!! The loan was 100% repaid

A loan of $650 helped Guram to purchase a milk cow.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Mar 20, 2012
Apr 14, 2012
Currency Exchange Loss:
Mar 15, 2013