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Amil, age 27, and his wife Ragsana earn their living through an agricultural business. They live in a small village of Gardabani District. They have two milking cows and five calves. Ragsana milks the cows twice a day and produces cheese, part of which is used by the family; the rest is sold locally. They also own a plot of land, where they grow broom. Amil sells the broom in nearby villages. The total average monthly income of the family is 500 Laris.

Amil has requested a loan to be used toward cultivation of his agricultural land. After cultivation, he plans to sow more broom there. Amil and Ragsana will work hard on their plot in order to obtain a good harvest, which will be sold for a good price. As a result of this Kiva loan, the family’s income will increase, which will enable them to improve the family’s living conditions.

Amil is grateful for your help and kindness.

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
  • 51
    View loans »
    Georgia Loans Fundraising
  • $8,643,950
    Funds lent in using Kiva
  • 1.6
    Georgia Lari (GEL) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,850 helped Amil to cultivate his land.
100% repaid
Repayment Term
15 months (Additional Information)
Repayment Schedule
Jul 26, 2012
Aug 14, 2012
Currency Exchange Loss:
Sep 17, 2013