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Rati is 26 years old, single, and lives with his mother in Terjola District. He runs an agricultural business where he owns a calf and two milk cows, whose milk is used to make cheese products. The cheese is sold at the local open market. He also has a vineyard and produces wine and vodka with the harvested grapes. Rati sells the agricultural products locally He is a very hard-working man with a great desire to get ahead.

Rati is requesting a loan, which he will use to renovate his house. His existing house is old and damaged. He will purchase building materials and repair it. His living conditions will improve and he will be able to spend his evenings in a more comfortable environment after a hard day of work.

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
  • 46
    View loans »
    Georgia Loans Fundraising
  • $8,648,750
    Funds lent in using Kiva
  • 1.7
    Georgia Lari (GEL) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,825 helped Rati to renovate his house.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Feb 8, 2013
Feb 14, 2013
Currency Exchange Loss:
Jul 17, 2014