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Vardo is 39 years old. He lives with his wife, two children and parents. Vardo’s mother is provided with a retirement pension. Vardo breeds cows and sheep and sells milk and milk products. He has ten years of experience in this field, thanks to his father who taught him how best to look after cattle. Selling milk and dairy products earns him 300 GEL per month.

He has requested a loan to purchase an additional milk cow and feed for his cattle. After the cattle are fed properly, they will produce lots of milk. The family will then be able to produce more dairy products and sell them for a good price. This will significantly increase the family income and will improve the living conditions for all members of the family. Vardo 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
  • 39
    View loans »
    Georgia Loans Fundraising
  • $8,572,225
    Funds lent in using Kiva
  • 1.7
    Georgia Lari (GEL) = $1 USD

Success!! The loan was 100% repaid

A loan of $925 helped Vardo to purchase an additional milk cow and feed for his cattle.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Feb 11, 2013
Feb 18, 2013
Currency Exchange Loss:
Jun 17, 2014