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Irma is 37 years old and is married with two sons, 11 and 13 years old, both of whom go to school. She lives in the Sighnaghi district in a small village with her family that also includes her in-laws. Irma and her husband Gocha run the family agricultural business. They own a vineyard and a plot of land where they grow various vegetables such as tomato, pepper, and eggplant. They work hard on their land during the spring and summer seasons to get a good harvest. Irma and Gocha are busy with livestock as well, rearing cattle to sell at a profit. The total average monthly income of the family is 1,000 GEL.

Irma is requesting a loan to purchase additional calves to raise and sell later for a profit. Irma will reinvest her additional earnings to expand her agricultural enterprise to make it more profitable and improve the living conditions of her 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
  • 48
    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 $1,350 helped Irma to purchase calves to rear and sell.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Jul 18, 2012
Aug 13, 2012
Currency Exchange Loss:
Mar 15, 2013