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Zurab is 29 years old. He lives in the Gurjaani District with his family: mother, elder brother, sister in law and elder sister. Zurab and his brother are tractor operators. They have tractors and provide seasonal agricultural services to local farmers for a certain fee.

Along with the above mentioned, the family is busy with agriculture. They have a small dairy farm with two milk cows. They produce cheese and sell it on the local open market.

Also, Zurab’s mother and sister work hard on a family owned plot of land, where maize and grapevines are grown. They sell harvested products locally, to greengrocery products retailers. The total average monthly income of the family is 1,200 Laris.

Zurab requested credit for purchasing young grapevines to plant and expand the vineyard. Also, part of the credit will be used for purchasing maize for sowing and fuel for the tractor to till the land. The expansion of the vineyard will give additional income to the family over the long-term, as they will harvest and sell more grapes. The family will use the increased income for further development of the family farm, to make it more profitable and sustainable.

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
  • 40
    View loans »
    Georgia Loans Fundraising
  • $8,314,800
    Funds lent in using Kiva
  • 1.6
    Georgia Lari (GEL) = $1 USD

Success!! The loan was 100% repaid

A loan of $925 helped Zurab to purchase maize for sowing and young grapevines.
100% repaid
Repayment Term
10 months (Additional Information)
Repayment Schedule
Mar 27, 2012
Apr 18, 2012
Currency Exchange Loss:
Dec 15, 2012