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Vera is 28 years-old. She lives in a small village in Akhaltsikhe District, in the southern part of the country. Vera lives with her husband, Mikheil.

Vera works as a teacher in a local school. Along with her main job, she is actively involved in family agriculture. They have one hectare of land, where potatoes are grown. Vera and Mikheil work hard on their plot, especially in the spring season to get a good harvest in the summer. They also have calves in their family farm. Their total average monthly income is 550 Laris.

Vera requested credit for purchasing calves. Vera and Mikheil will grow calves for five months and then sell them for a higher price. The family will get the profit, which will be used for financing their daily expenses.

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
  • 43
    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 $1,000 helped Vera to purchase calves.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Apr 18, 2012
May 1, 2012
Currency Exchange Loss:
Jan 15, 2013