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Toma is 53 years old. He lives with his wife and two sons in the small village of Adigeni district. The family runs an agricultural business. In particular, they have four milk cows and two calves, whose milk is used in dairy products. In addition, they have a plot of land where different kinds of vegetables are grown. They sell the harvested vegetables and dairy products locally, in an open market, at a good price.

Toma is a very hard-working man and has rich experience in his business. Toma requested a loan to purchase agricultural land. After purchasing additional land, he will be able to sow more vegetables. This will increase the income of the family. With increased income, they will improve their living conditions. Toma awaits your support.

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
  • 42
    View loans »
    Georgia Loans Fundraising
  • $8,578,400
    Funds lent in using Kiva
  • 1.7
    Georgia Lari (GEL) = $1 USD

Success!! The loan was 100% repaid

A loan of $625 helped Toma to purchase agricultural land.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Dec 21, 2012
Jan 1, 2013
Currency Exchange Loss:
Jun 17, 2013