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Sulkhan is from Tskaltubo district of West Georgia. He is 30 years old and lives with his wife and two children (three and five years old). The family earns their living through agricultural activities. In particular, Sulkhan runs a small dairy farm of two heifers and a milk cow, whose milk is used in cheese products. The cheese is sold to wholesalers. Beside this, the family sows greens on the open ground and does all relevant agricultural work to ensure a good harvest. The harvested greens are sold at the local open market. Sulkhan is a very hard-working young man, with a great desire to get ahead.

He requested a loan to purchase an additional milk cow. After the number of cattle is ncreased, Sulkhan will receive more milk for his dairy and sell more cheese. This will significantly increase the family's income and the family will 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
  • 40
    View loans »
    Georgia Loans Fundraising
  • $8,314,800
    Funds lent in using Kiva
  • 1.7
    Georgia Lari (GEL) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,225 helped Sulkhan to purchase a milk cow.
100% repaid
Repayment Term
21 months (Additional Information)
Repayment Schedule
Oct 31, 2012
Nov 12, 2012
Currency Exchange Loss:
Aug 17, 2013