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Khvicha is a farmer from a small village of Senaki District, West Georgia. He is a father of ten children and lives with his children and wife – Khatuna. The eldest child in the family is 18 years old and the youngest one is 7 years old. All ten children go to school. Khatuna is a housewife. Kvicha works hard in the family farm, which is the main source of the income for the family. In particular, they have three milk cows and a pig. Khvicha produces cheese and sells on average 50 kg of this product. Also the family sells on average 8 piglets per year. Although Khvicha works hard, the earned income still isn’t enough for normal living conditions for the family. The family is regarded to live under the poverty line and they receive relevant social assistance from the government.

Khvicha requested credit for expansion of the cattle-shed building. In the future he plans to icrease the amount of milk cows in the farm, but he can’t as the existing building can’t place more than threee cows. Also part of the credit Khvicha will be used for cultivating the family owned plot of the land, where he will grow maize. Khvicha will use part of the maize for feeding the cows and the rest will be sold on local market. Sales of maize will be a new source of the income for the family. Khvicha plans to use the increased income for financing his children's high school education.

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
  • 45
    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 $925 helped Khvicha to purchase construction material for cattle-shed expansion and renting a tractor for tilling the land.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Apr 4, 2012
Apr 30, 2012
Currency Exchange Loss:
Nov 15, 2012