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Mikheil is 22 years old. He is just married and lives in a small village with his 21-year-old wife and parents. The family earns money through agricultural business. His father is a joiner and helps his son to cover family expenses. Mikheil has a plot of land, and he grows many types of vegetables and fruits. He also has a vineyard and makes very good wine. He sells harvested product on the local open market. He takes good care of his land, and his products are always of high quality. This is very important for the local population; they know about it, and Mikheil always has a lot of customers.
Mikheil wants to improve sanitary conditions in his house. This is very important for the newly-married couple, as well as for the other family members. Due to this fact, he requested a loan to repair the bathroom and to fix the roof of the house. With this loan he will be able to improve his family's 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
  • 28
    View loans »
    Georgia Loans Fundraising
  • $8,567,900
    Funds lent in using Kiva
  • 1.6
    Georgia Lari (GEL) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,850 helped Mikheil to repair a bathroom and fix the roof.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
May 10, 2012
May 23, 2012
Currency Exchange Loss:
Jun 17, 2013