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Tamar is 35 years old. She lives in Gardabani District with her husband, Avtandil, and two little children. Avtandil is a shepherd and spends most of the time out of the house. Tamar is leading the agricultural business for the family. She runs a dairy farm with 3 milk cows and 5 calfs. Tamar produces cheese and sells, on average, 50 kg of this product, in the village, to dairy products retailers. Her monthly profit is, on average, 400 Laris.

Tamar has requested credit for the expansion of the cattle-shed and for purchasing one additional milk cow. She will purchase construction materials and pay for the workers, who will expand the shed. Also, Tamar will purchase one new milk cow. She will make and sell more cheese. As a result of the above-mentioned investment, the monthly profit of the family will increase by 150 Laris.

Tamar will use increased income for the well-being of her children and the family.

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
  • 53
    View loans »
    Georgia Loans Fundraising
  • $8,637,875
    Funds lent in using Kiva
  • 1.6
    Georgia Lari (GEL) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,550 helped Tamar to purchase a milk cow and to expand the cattle-shed.
100% repaid
Repayment Term
16 months (Additional Information)
Repayment Schedule
Apr 11, 2012
Apr 30, 2012
Currency Exchange Loss:
Jan 15, 2013