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Guram is 29 years old, from the small village of Lanchkhuti district. He lives with his mother, who is provided with a retirement pension.

Guram is involved in agricultural activities. In particular, he owns a plot of land where maize and nut trees are grown. Guram and his mother work hard to insure a good harvest.

Besides, the family has a dairy business. They have six milk cows and 30 calves. They sell dairy products locally in an open market.

Guram requested a loan to rent agricultural land. After purchasing another plot of land, he will implement his future plans. He plans to purchase additional calves and expand his dairy business. It will increase their income and he will be able to improve the living conditions for the family.

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
  • 52
    View loans »
    Georgia Loans Fundraising
  • $8,643,950
    Funds lent in using Kiva
  • 1.7
    Georgia Lari (GEL) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,825 helped Guram to rent agricultural land and purchase additional calves.
100% repaid
Repayment Term
18 months (Additional Information)
Repayment Schedule
Nov 13, 2012
Nov 15, 2012
Currency Exchange Loss:
Apr 16, 2014