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Zaal is 36 years old from the small village of Khobi district. He is married and lives with his wife and parents. His father is provided with a retirement pension. Zaal is involved in agricultural activities. In particular, he has a milk cow, two milk buffalos and two horses. His wife and mother milk the cow and buffalos and produce dairy products to sell at local markets. Besides, Zaal has a plot of agricultural land, where 300 nut trees and different kinds of citruses are grown. They sell the harvested products locally. In addition, he purchases fruits and vegetables at wholesale prices and then brings them with his own car to other villages to sell with a price markup. He requested a loan for purchasing a stock of fruits and vegetables. He will be able to increase the sales and thus increase the income of the family. With increased income they will be able to improve their living conditions. Zaal 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
  • 28
    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 $725 helped Zaal to purchase a stock of fruits and vegetables to resell.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Mar 5, 2013
Mar 14, 2013
Currency Exchange Loss:
Apr 16, 2014