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Temur is 51 years old and lives in a small village of Kobuleti district with his large family. His family consists of eight members: his wife, two children (9 and 12 years old), brother, sister-in-law, nephew, and mother. Temur’s mother is a pensioner and works at the clothes factory as well. His wife and sister-in-law work as teachers at the local school and get monthly income. Temur’s brother works as a driver and helps Temur to run their agricultural business.

Temur has rich experience in his work and tries to do the best for the family. The family owns a large agricultural plot, where citrus and nuts are grown. Temur sells his production at the local open market.

Besides these activities, he operates an animal husbandry business. In particular, he has a milk cow and a calf. In addition, Temur works as a baker and gets a monthly salary. He works hard, but still doesn’t have enough income to make some savings and improve the living conditions of the family.

Temur requested a loan to fence his plot of land, build a cattle shed, and repair his house, which is damaged. He will purchase building materials for his house and the cattle shed and use this loan for agricultural expenses.

Temur will be able to expand his dairy and agricultural business and increase the income of the family. With the increased income, he will be able to finance the education of his children

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 $1,850 helped Temur to fence a plot of land and build a cattle shed.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Aug 8, 2012
Aug 20, 2012
Currency Exchange Loss:
Mar 17, 2014