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Irma, 39 years old, lives in Khoni District, West Georgia with her family: her husband, Gocha; 20-year-old son; 18-year-old daughter; mother-in-law and sister-in-law. Gocha works as a driver for a local company, while her daughter and sister-in-law have health problems and receive relevant pensions from the local government.

Irma works hard the entire day. She and her mother-in law head the family's agricultural business, consisting of a milk cow from which Irma produces cheese, selling on average 20 kg per month at the local open market. The family also has a greenhouse, where greens and tomatoes are grown. Harvested products are sold at the market as well. Average total monthly income of the family is 800 Laris, including the pensions of Irma’s mother-in-law, sister-in-law and daughter.

Irma is requesting a loan to start a small poultry business. She will purchase chickens to raise in an old hen house owned by the family. After three months she will begin selling eggs. Also part of the loan will be used for cultivation of the family-owned plot of the land where Irma will sow maize to feed the chickens. The resulting increased income will allow the family 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
  • 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 $625 helped Irma to purchase chicken and pay for land cultivation.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Apr 12, 2012
Apr 28, 2012
Currency Exchange Loss:
Dec 15, 2012