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Kakhi is a 46-year-old farmer from the village of Dirbi in East Georgia. He is married and lives with his family, including his wife, Dali, two children (ages 13 and 10) and parents. Both children go to school. All adult family members are involved in the family agricultural business, which is the only source of income for them.

They have 3 hectares of land, where green beans, maize and apple trees are grown. Kakhi, Dali and Kakhi’s parents are extremely busy in the spring to ensure a good harvest is reaped in the late summer/early fall. After cultivating the land and sowing vegetables, they fertilize and treat the land to protect against parasites.

Kakhi has a car. He takes harvested apples and vegetables to the open markets of nearby towns for sale. The total average monthly income of the family is 1,000 GEL.

Kakhi has requested credit to expand the family's agricultural business. He plans to purchase 1 hectare of land for agricultural farming.

Kakhi will use the land to grow vegetables and increase his harvest. This will increase the income of the family, enabling them to improve their living conditions. Kakhi also hopes that he will be able to save enough money to finance his children’s education in the future.

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 $1,850 helped Kakhi to purchase 1 hectare of land for agricultural farming.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
May 15, 2012
May 25, 2012
Currency Exchange Loss:
Jul 15, 2012