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Zaal is from Abasha district in West Georgia. He is 35 years old, single and lives with his parents. His parents are provided with retirement pensions.

Zaal runs an animal husbandry business. He has 5 pigs, 11 milk cows and 11 calves. His mother milks the cows and produces cheese products. The family sells on average 200-220 kg of cheese per year. Zaal also has 3-hectare piece agricultural land where maize is grown. He does all the relevant seasonal work to insure a good harvest. The harvested production is sold at the local market.

Zaal is very hard-working person with a great desire to get ahead. He requested a loan to repair his house. His existing house is old and damaged. He will purchase building materials and renovate the house. Then, the living conditions of the family will be improved and they will be able to spend their evenings after a hard working day in a more comfortable environment. Zaal hopes 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 Housing Loans

Many poor families cannot afford housing that meets their needs. When you make a housing loan on Kiva, you give people access to flexible capital to obtain or improve their homes. Better housing means better health, sanitation, and even educational outcomes for children. A house can also be much more for entrepreneurs who run businesses out of their homes. In this way, housing and small business loans on Kiva share a common purpose: to alleviate poverty and enable families to enjoy more stable lives.

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 $675 helped Zaal to repair his house.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Sep 13, 2012
Sep 24, 2012
Currency Exchange Loss:
Apr 17, 2013