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Japar is 30 years old. He is married and lives in a small village of Gardabani District with his big family: his wife, Amia, and his parents, brother, and sister-in-law. His brother offers a taxi service to the local population using his own car. Other family members are busy with an agricultural business.

They have a plot of land where greens are grown. They sell the greens on the local open market. The total average monthly income of the family is 1,000 Laris, which is hardly enough for food and other household expenses for six members of the family.

Japar requested a loan for purchasing a car. He will offer a taxi service to the local population using his own car, like his brother. Thus, the family will get additional income. With increased income, they will be able to improve their 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
  • 50
    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 $1,225 helped Japar to purchase a car so he can offer a taxi service.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Jul 11, 2012
Aug 14, 2012
Currency Exchange Loss:
Dec 15, 2012