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Sevinj A. and her family are internally displaced people who have suffered from the war and have lost their home. In 1992, she moved to Bilasuvar city and started her own business. With the loan from AqroInvest Credit Union she was able to purchase her first cow. That is why, seven years ago, she decided to move forward with raising livestock. Every morning, she goes out early so that her beloved cows may graze among the hills all day in the hope that they return happy and satisfied.

Sevinj is motivated to continue in this arduous work by the thought of her future life as she is single and doesn’t have additional financial income. In order to succeed in her business, she seeks to nourish the animals and keep them happy, in the hope of ultimately selling them at a good price. Thanks to her continued activity in her occupation, Sevinj and her elderly parents are able to sustain themselves and this fills her with great satisfaction.

However, with the support of this loan, Sevinj would now like to also purchase more livestock to increase her clientele. She recommended herself as a reliable client with a good loan history. With your support, she will be able to accomplish her business goals.

Additional Information

About Aqroinvest:

Aqroinvest Credit Union was founded in 2001 by a group of 32 farmers from Imishli. It has since grown to become the largest credit union in Azerbaijan, owned by its more than 5,400 borrowers and boasting a portfolio of nearly US$12 million.
AqroInvest is focused on providing loans to the following groups of people: rural farmers, people living in distant southern villages with little or no access to finance and internally displaced people and refugees, many of whom lost their homes and livelihoods during the violent conflicts in the 1990s.

In May 2011, Aqroinvest started a new project with Kiva proving higher education loans to students. The project gives students the support and financing they need to continue their education and helps pay for tuition fees at various universities in Azerbaijan. Aqroinvest is the first credit union in the country to offer students loans.

About Azerbaijan

  • $10,800
    Average annual income
  • 27
    View loans »
    Azerbaijan Loans Fundraising
  • $14,289,125
    Funds lent in using Kiva
  • 0.8
    Azerbaijan New Manats (AZN) = $1 USD

Success!! The loan was 100% repaid

A loan of $2,000 helped Sevinj to purchase four cows.
100% repaid
Repayment Term
17 months (Additional Information)
Repayment Schedule
Jan 26, 2010
Dec 11, 2009
Currency Exchange Loss:
May 17, 2011