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Oruj is 44 years old and living in the village of Khanjigazlo. He is married and lives with his spouse, grown son, and retired mother in their own house.

Oruj grows grapes, tomatoes, and red beans. He produces wine with the harvested grapes and sells his production at the local open market. His income from agriculture is seasonal, and Oruj decided to earn a more stable income.

That’s why Oruj decided to apply for this credit and start a greenhouse business. He is very grateful for the support that Kiva lenders are offering him. Thanks to their help, he will be able to purchase all the needed materials for greenhouse construction.

He plans to grow various greens in wintertime and plant tomatoes and cucumbers in summer. He will sell his harvest the whole year and generate income. Thanks to this loan, he will improve his family's quality of life and increase family funds. Oruj awaits your support.

Additional Information

More information about this loan

This loan is part of Credo's startup loan program targeting particularly vulnerable clients who live at the subsistence level and have been unable to obtain credit due to lack of income from an existing business. This program offers them a longer repayment term and an annual interest rate that is 5% lower than the standard interest rate. By funding this loan, you are supporting a program that gives borrowers a second chance to start and grow small businesses. This has the potential to alleviate the effects of poverty, significantly improving borrowers' incomes and their families' quality of life. Learn more about Credo's startup loan program on the Kiva Blog.

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
  • $8,567,900
    Funds lent in using Kiva
  • 1.7
    Georgia Lari (GEL) = $1 USD

Success!! The loan was 100% repaid

A loan of $3,000 helped Oruj to construct a greenhouse.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Sep 26, 2013
Nov 1, 2013
Currency Exchange Loss:
Oct 17, 2014