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Valiko is from the village of Matani, East Georgia. He is 49 years old. Valiko lives with his wife, who is a housewife, and a son.

Valiko serves local farmers with his own tractor during tilling and mowing season and gets a service fee. He works hard but the income is enough only to cover the family's daily essential expenses.

Valiko requested a loan for renovation of the kitchen, as it is in bad condition. After he pays back this loan, he plans to start renovation of other parts of the house in order to improve the living conditions for his big 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 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
  • 37
    View loans »
    Georgia Loans Fundraising
  • $8,567,900
    Funds lent in using Kiva
  • 1.7
    Georgia Lari (GEL) = $1 USD

Success!! The loan was 100% repaid

A loan of $675 helped Valiko to renovate the kitchen.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Jan 8, 2013
Jan 21, 2013
Currency Exchange Loss:
Mar 15, 2013