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Temur is 42 years old. He lives in a small village of Bolnisi District with his family: wife Lali and 19-year-old Kakhaber. The family earns their living through agricultural business. They have 4 milking cows and 2 calves. Lali milks cows twice a day and produces cheese. They also own 0.3 hectare of land, where they grow various vegetables: carrots, cabbage, beets and potatoes. They sell their cheese and harvested products on the local open market. Total average monthly income of the family is 400 Lari.

Temur requested a loan for purchasing calves. He wants to raise them and sell them locally after several months. Grown calves will be sold with a price mark-up. The family will get additional income. With increased income, he will be able to expand his agricultural business and the living conditions of the family will be improved.

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 Temur to purchase calves.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Jun 5, 2012
Jun 30, 2012
Currency Exchange Loss:
Dec 15, 2012